Advertisement
Ulster Savings Bank
Kingston, NY · FDIC Certificate #15970 · Chartered 04/1
Total assets
$1.39B
Total deposits
$1.24B
Total equity
$124.60M
Net loans
$1.03B
Branches (offices)
15
Net income (YTD)
$3.83M
Rank: #790 of 4,213 U.S. banks by assets · #51 of 115 in New York. Assets changed 0.7% and deposits 1.1% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.55% |
| Return on equity | 6.24% |
| Net interest margin (YTD) | 3.26% |
| Equity to assets | 8.95% |
| Tier 1 leverage ratio | 9.79% |
| Uninsured deposits (share of deposits) | 20.7% |
| Noncurrent loans (share of loans) | 1.54% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 83.6% |
| Real estate loans (share of loans) | 93.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $967.95M | 93.6% | |
| Commercial & industrial | $51.66M | 5.0% | |
| Consumer / individual | $23.12M | 2.2% | |
| Construction & development | $69.50M | 6.7% | |
| Agricultural | $2.44M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.26B | $1.15B | $2.06M | $103.64M |
| Jun 2023 | $1.29B | $1.09B | $3.15M | $101.14M |
| Jun 2024 | $1.34B | $1.13B | $1.22M | $105.29M |
| Jun 2025 | $1.38B | $1.22B | $2.32M | $114.49M |
| Jun 2026 | $1.39B | $1.24B | $3.83M | $124.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $1.24B | 15 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.24B.
Similar-sized banks
Guardian Savings Bank ($1.39B) · Southwestern National Bank ($1.39B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement