Catskill Hudson Bank

4438 Rt 42 N
Monticello, NY 12701

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 0.50% 2.20% →
2-Year CD 0.80% 2.20% →
5-Year CD 1.77% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Catskill Hudson Bank is an FDIC insured institution located in Monticello, NY. It was founded in 1993 and has approximately $0.53 billion in assets. Customers can open an account at one of its 14 branches.

FDIC Insured Yes
FDIC Certificate # 33859
Date Established 1993
Assets $0.53 billion
Loans $0.31 billion
Deposits $0.49 billion
Capital $0.04 billion

For a more detailed analysis of Catskill Hudson Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 21, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $1 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $99,999 Learn MoreShow Less
3 Mo CD
0.20% $1,000 - Learn MoreShow Less
6 Mo CD
1.26% $1,000 - Learn MoreShow Less
Special: 9 Mo CD
1.61% $1,000 - Learn MoreShow Less
12 Mo CD
0.50% $1,000 - Learn MoreShow Less
18 Mo CD
0.75% $1,000 - Learn MoreShow Less
24 Mo CD
0.80% $1,000 - Learn MoreShow Less
30 Mo CD
0.85% $1,000 - Learn MoreShow Less
36 Mo CD
0.90% $1,000 - Learn MoreShow Less
48 Mo CD
1.41% $1,000 - Learn MoreShow Less
60 Mo CD
1.77% $1,000 - Learn MoreShow Less

Fixed IRA
0.50% $1,000 - Learn MoreShow Less
Special: 9 Mo FIRA
1.61% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - February 21, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Catskill Hudson Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
NMLS ID: 2890
License#: MC-3098
3.375% 3.375% 0.00 ($22) $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Catskill Hudson Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Catskill Hudson Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Catskill Hudson Bank Locations

Financial Details

Catskill Hudson Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Catskill Hudson Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Catskill Hudson Bank U.S. Bank Average
2.11% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Catskill Hudson Bank had $847,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $37,654,000 in equity and $2,567,000 in loans loss reserves. That gives it a Texas Ratio of 2.11%.

Return on Equity
Catskill Hudson Bank U.S. Bank Average
6.55% 9.72%

Catskill Hudson Bank has a Return on Equity of 6.55% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Catskill Hudson Bank U.S. Bank Average
7.17% 12.89%

Catskill Hudson Bank has a Capitalization of 7.17% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Catskill Hudson Bank Balance Sheet Analysis

As of September 30, 2019, Catskill Hudson Bank had assets of $525,224,000, loans of $308,541,000, and deposits of $486,944,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.07 billion
Interest-bearing balances $0.00 billion
Total securities $0.14 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.31 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.49 billion
Total deposits $0.49 billion
      Interest-bearing deposits $0.40 billion
      Deposits held in domestic offices $0.49 billion
      % insured (estimated) 64.08%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.49 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Catskill Hudson Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and Construction and Development Loans.

Compared to other banks in New York, Catskill Hudson Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.30
Credit Card Loans 0.00
Consumer Auto Loans 0.31
Small Business Loans 0.00
Construction and Development Loans 11.09
Commercial Real Estate 58.70
Commercial and Industrial Loans 10.52
Farm Loans 0.00

Frequently Asked Questions About Catskill Hudson Bank

Branches and Savings

Is Catskill Hudson Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33859.

Why does Catskill Hudson Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Catskill Hudson Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Catskill Hudson Bank a commercial bank?


Where are Catskill Hudson Bank locations?

See branch locations nearby.

Is Catskill Hudson Bank open on Saturdays?

Is Catskill Hudson Bank open on Sundays?

What time does Catskill Hudson Bank open?

What time does Catskill Hudson Bank close?

Are Catskill Hudson Bank ATMs Open 24/7?

Do Catskill Hudson Bank ATMs accept cash deposits?

Can Catskill Hudson Bank customers use other ATMs?

Do Catskill Hudson Bank branches have notaries?

Will Catskill Hudson Bank notarize my document?

What address for Catskill Hudson Bank should I put for incoming ACH transfers?

Will the Catskill Hudson Bank branch print checks?

Do Catskill Hudson Bank checks expire?

Does Catskill Hudson Bank require US citizenship to open account?

Can Catskill Hudson Bank close my account?

Does Catskill Hudson Bank Report to credit bureaus?

Does Catskill Hudson Bank Use Equifax?

What is Catskill Hudson Bank's ACH Routing Number?

What is Catskill Hudson Bank's SWIFT code?


Does Catskill Hudson Bank offer mortgages?

Compare mortgage rates here.

Does Catskill Hudson Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Catskill Hudson Bank offer personal loans?

Compare personal loan rates here.

Does Catskill Hudson Bank offer student loans?

Will Catskill Hudson Bank cash a check?

Will Catskill Hudson Bank redeem a savings bond?

Does Catskill Hudson Bank cash savings bonds?

Will Catskill Hudson Bank cash money orders?

Can Catskill Hudson Bank issue a money order?

Does Catskill Hudson Bank do currency exchange?

Background on The Bank

Who owns Catskill Hudson Bank?

How long has Catskill Hudson Bank been around?

Can Catskill Hudson Bank transfer to other banks?

Does Catskill Hudson Bank have quick pay?

Does Catskill Hudson Bank accept rolled coins?

Will Catskill Hudson Bank accept loose change?

Where is Catskill Hudson Bank headquarters?

Customer Reviews for Catskill Hudson Bank

There are currently no comments for Catskill Hudson Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →