Ridgewood Savings Bank
ACH Number: 226071033
Ridgewood Savings Bank is an FDIC insured institution headquartered at
7102 Forest Ave, Ridgewood, NY 11385.
It was founded in
1921 and has approximately $7 billion in assets. Customers can open an account at one of its 39 branches.
It was founded in 1921 and has approximately $7 billion in assets. Customers can open an account at one of its 39 branches.
Deposit Rates - April 01, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
3.40% | $0 | Compare |
|
SAV
|
0.25% | $0 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
3.40% | $100 | Compare |
|
9 Mo CD
|
3.65% | $100 | Compare |
|
10 Mo CD
|
3.95% | $100 | Compare |
|
12 Mo CD
|
3.55% | $100 | Compare |
|
18 Mo CD
|
3.30% | $100 | Compare |
|
24 Mo CD
|
3.30% | $100 | Compare |
|
36 Mo CD
|
3.10% | $100 | Compare |
|
48 Mo CD
|
3.10% | $100 | Compare |
|
60 Mo CD
|
3.10% | $100 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.25% | $10,000 | Compare |
|
Money Market
|
3.75% | $10,000 | Compare |
|
Money Market
|
0.35% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.25% | $50,000 |
Loan Rates - April 01, 2026
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
10 Year Fixed Conforming
|
6.72% | $3,517.41 |
|
15 Year Fixed Conforming
|
6.78% | $2,740.27 |
|
20 Year Fixed Conforming
|
7.00% | $2,402.82 |
|
30 Year Fixed Conforming
|
7.23% | $2,062.77 |
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
10 Year Fixed Conforming
|
6.72% | $3,517.41 |
|
15 Year Fixed Conforming
|
6.78% | $2,740.27 |
|
20 Year Fixed Conforming
|
7.00% | $2,402.82 |
|
30 Year Fixed Conforming
|
7.23% | $2,062.77 |
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
7.25% | Varies | ||
Compare with 6.75 RATE Line of Credit from Farmers Bank of Kansas City
|
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Compare with 6.95 RATE Line of Credit from Figure Home Equity
|
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Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc
|
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Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union
|
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Overview 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 16026 |
| Date Established | 1921 |
| Assets | $ 7.38 billion |
| Loans | $ 4.83 billion |
| Deposits | $ 5.85 billion |
| Capital | $ 919.91 million |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 348.33 million |
| Interest-bearing balances | $ 328.26 million |
| Total securities | $ 1,661.88 million |
| Federal funds sold and reverse repurchase | $ 100.40 million |
| Net loans and leases | $ 4.83 billion |
| Loan loss allowance | $ 38.04 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.04 million |
| Goodwill and other intangibles | $ 80.21 million |
| All other assets | $ 274.88 million |
| Total Assets | $ 6.46 billion |
| LIABILITIES | |
| Total deposits | $ 5.85 billion |
| Interest-bearing deposits | $ 5.30 billion |
| Deposits held in domestic offices | $ 5.85 billion |
| % insured (estimated)" | 85.66% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 402.86 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 114.65 millionn |
| Total Liabilities | $ 6.46 billion |
| Shareholders’ Equity | $ 919.91 million |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 213.23 million |
| Total Interest Expense | $ 117.67 million |
| Net interest income | $ 95.57 million |
| Provision for loan and lease losses | $ 4.74 million |
| Total non interest income | $ 12.02 million |
| Total non interest expense | $ 83.17 million |
| Pre-tax Net Operating Income | $ 31.79 million |
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