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1 Hudson Street
Kinderhook, NY 12106

Kinderhook Bank is headquartered in Kinderhook and is the 93rd largest bank in the state of New York. It is also the 1,868th largest bank in the nation. It was established in 1853 and as of March of 2014, it had grown to 70 employees at 7 locations. Kinderhook Bank's savings rates are 6X the national average, and it boasts a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Kinderhook Bank had $1.77 million in non-current loans and owned real-estate with $35.08 million in equity and loan loss allowances on hand to cover it. This gives Kinderhook Bank a Texas Ratio of 5.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Kinderhook Bank decreased dramatically from (infinite) as of March 31, 2013 to 5.04% as of March 31, 2014, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Kinderhook Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Kinderhook Bank has increased its total deposits by $39.09 million, resulting in 14.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Kinderhook Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Kinderhook Bank has $352.3 million in assets with $35.08 million in equity, resulting in a capitalization level of 9.96%, which is above average.

Institution Statistics

FDIC Certificate #7128
Year Established1853
Primary RegulatorOCC
Assets and Liabilities
Assets$352.30 million
Loans$239.82 million
Deposits$317.22 million
Equity Capital$32.20 million
Loan Loss Allowance$2.88 million
Unbacked Noncurrent Loans$1.77 million
Real Estate Owned$0
Historic Data - March 2013
Assets$311.96 million
Equity Capital$31.06 million
Loan Loss Allowance$2.29 million
Unbacked Noncurrent Loans$1.77 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.63%
Return on Assets0.82%
Return on Equity8.71%
Interest Income$3.22 million

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Kinderhook Bank Savings Account Rates

3.00%-$1kKid$kash Stmt Savings
1.00%--Christmas Club
0.45%$500-Traditional IRA Savings
0.45%$500-Roth IRA Savings
0.45%$500-CESA Savings

Kinderhook Bank Money Market Rates

0.50%$200k-Consumer Money Market Savings Account
0.50%$200k-Business Money Market Savings Account
0.50%$1m-Business Tiered Money Market
0.35%$100k-Consumer Tiered Money Market
0.15%$2,500-Regular Money Market

Kinderhook Bank Checking Account Rates

2.50%-$20keFreedom Checking - Qualifying
0.03%$1k-Freedom Checking
0.00%$1k-eFreedom Checking - Non Qualifying

Kinderhook Bank CD Rates

1.10%$500-35 Month CD
0.90%$500-2 Year "Kick Up Your Rate" CD
0.50%$500-4 Year CD
0.45%$500-3 Year CD
0.35%$500-1 Year CD
0.35%$500-18 Month CD
0.10%$500-30 - 89 Day CD
0.10%$500-90 - 179 Day CD
0.10%$500-180 - 364 Day CD
0.10%$500-9 Month CD

Kinderhook Bank IRA Rates

0.90%$500-2 Year IRA Certificate
0.50%$500-4 Year IRA Certificate
0.45%$500-3 Year IRA Certificate
0.35%$500-1 Year IRA Certificate

Kinderhook Bank Locations
The National Union Bank Of Kinderhook1 Hudson StreetKinderhook, NY 12106
Delmar Branch180 Delaware AveDelmar, NY 12054
East Greenbush Branch567 Columbia TurnpikeEast Greenbush, NY 12061
Greenport Branch96 Union TurnpikeHudson, NY 12534
Chatham BranchMain Street and Hudson Avenue and Park RowChatham, NY 12037
Valatie BranchRoute 9Valatie, NY 12184