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BDI
RS

Ridgewood Savings Bank

Ridgewood, New YorkFDIC Cert #16026

STATEEstablished 192138 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$0
Investor CRE$395M
Multifamily$2.06B
Construction$0
1–4 family$2.38B
C&I$2.44M
Agriculture$0
Other$30.3M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$4.87B
+2.1%y/y
Percentile by value88th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSGR
Net loans
$4.83B
+2.1%y/y
Percentile by value88th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET
Loans YoY
+2.11%
−46.1%y/y
Percentile by value32nd percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET
L/D
80.3%
−1.9%y/y
Percentile by value19th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET + DEP
Loans/assets
64.0%
−1.2%y/y
Percentile by value16th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET + ASSET
RE loans %
100.97%
+0.2%y/y
Percentile by value78th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
4,249points
−2.1%y/y
Peer standing25th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
0.00%
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRENROW + LNLSGR
Investor CRE %
8.11%
+19.2%y/y
Percentile by value29th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRENROT + LNLSGR
C&I %
0.05%
−7.1%y/y
Percentile by value11th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNCI + LNLSGR