Total Assets
$1.4B
Total balance-sheet footings
FDIC Cert #15970 · Kingston, New York · Est. 1851
Ulster Savings Bank - FDIC Bank Health Profile
A community-scale look at Ulster Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.4B
- Total assets
- C
- Health grade · Fair
- 0.44%
- Return on assets
- 13.8%
- Tier 1 capital
Data updated July 2026
The verdict
Ulster Savings Bank earns a PlainBankData health grade of C (58/100), with well-capitalized at 13.84% Tier 1, 0.44% ROA, 87% efficiency ratio.
- #798
- largest of 4,313 FDIC banks by assets
- 82nd
- percentile by asset size, nationally
- 13.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 13th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Ulster Savings Bank's 58/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Ulster Savings Bank's composite health score
Tier 1 Capital Ratio (13.84%) 35/40
Return on Assets (ROA) (0.44%) 7/25
Texas Ratio (10.72%) 16/20
Efficiency Ratio (86.95%) 0/15
58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.2B
Customer-funded liabilities
Net Loans
$1.0B
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Ulster Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Ulster Savings Bank's score of 58/100 falls in the highlighted band.
Ulster Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Ulster Savings Bank's $1.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.84%
Texas Ratio
10.72%
Equity Capital
$121M
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.44%
Return on Equity (ROE)
5.19%
Efficiency Ratio
86.95%
What the numbers say about Ulster Savings Bank
Ulster Savings Bank is an FDIC-insured institution (Certificate #15970) headquartered in Kingston, New York, established in 1851. It holds $1.4B in total assets - 798th of 4,313 FDIC-insured banks, $1.2B in customer deposits, and $1.0B in net loans. Its capital position: a Tier 1 ratio of 13.84%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 10.72% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (58 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Ulster Savings Bank sits 52nd of 120 banks headquartered in New York by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$60M
Interest Income
$15M
Non-Interest Income
$47M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Ulster Savings Bank reports a Texas Ratio of 10.72% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.72% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Ulster Savings Bank (FDIC Cert #15970) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is Ulster Savings Bank's health grade?▼
Ulster Savings Bank receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Ulster Savings Bank?▼
Ulster Savings Bank holds $1.4B in total assets and $1.2B in deposits, ranking 798th of 4,313 FDIC-insured banks by asset size. It is headquartered in Kingston, New York.
Is my money safe at Ulster Savings Bank?▼
Yes, deposits at Ulster Savings Bank (Certificate #15970) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Ulster Savings Bank's Tier 1 Capital Ratio?▼
Ulster Savings Bank has a Tier 1 Capital Ratio of 13.84%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Ulster Savings Bank?▼
Ulster Savings Bank has a Texas Ratio of 10.72%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Ulster Savings Bank?▼
Ulster Savings Bank has an Efficiency Ratio of 86.95%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Ulster Savings Bank's profile as a depositor or analyst.
- Ulster Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Ulster Savings Bank against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.