Total Assets
$1.4B
Total Deposits
$1.2B
Branches
15
Established
1851
Ulster Savings Bank is a bank headquartered in Kingston, New York, established in 1851. It holds $1.4B in total assets across 15 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Ulster Savings Bank earns a TFS Financial Health Grade of C (66.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
66.8 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Ulster Savings BankHQ | 180 Schwenk Dr | Kingston | NY | 11 |
| Ulster Savings Bank | 2201 Route 44 55 | Gardiner | NY | 11 |
| Ulster Savings Bank | 4240 Albany Post Rd | Hyde Park | NY | 11 |
| Ulster Savings Bank | 280 Wall St | Kingston | NY | 11 |
| Ulster Savings Bank | 1571 Ulster Ave | Lake Katrine | NY | 11 |
| Ulster Savings Bank | 1208 Route 300 | Newburgh | NY | 11 |
| Ulster Savings Bank | 226 Main St | New Paltz | NY | 11 |
| Ulster Savings Bank | 58 Main St Fl 1 | Phoenicia | NY | 11 |
| Ulster Savings Bank | 2680 South Rd | Poughkeepsie | NY | 11 |
| Ulster Savings Bank | 39 Burnett Blvd | Poughkeepsie | NY | 11 |
| Ulster Savings Bank | 7296 S Broadway | Red Hook | NY | 11 |
| Ulster Savings Bank | 1 Twin Maples Plaza, Route 9-W | Saugerties | NY | 11 |
| Ulster Savings Bank | 3857 Main St | Stone Ridge | NY | 11 |
| Ulster Savings Bank | 1387 Route 9 | Wappingers Falls | NY | 11 |
| Ulster Savings Bank | 68 Mill Hill Rd | Woodstock | NY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
66.8
Tier 1 capital ratio
9.79%
Return on assets
0.55%
Non-performing loans
1.54%
Efficiency ratio
82.64%
Asset growth (YoY)
0.74%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.