Ulster Savings Bank
Kingston, NY — State Savings Bank
Active
Net Interest Margin Over Time
| Net Interest Margin | Ulster Savings Bank | All Insured Savings Banks in New York |
| 12-31-2016 | 3.57 | 3.356 |
| 09-30-2016 | 3.567 | 3.346 |
| 06-30-2016 | 3.562 | 3.359 |
| 03-31-2016 | 3.533 | 3.364 |
| 12-31-2015 | 3.497 | 3.342 |
| 09-30-2015 | 3.472 | 3.342 |
| 06-30-2015 | 3.476 | 3.34 |
| 03-31-2015 | 3.523 | 3.359 |
| 12-31-2014 | 3.477 | 3.401 |
| 09-30-2014 | 3.449 | 3.407 |
| 06-30-2014 | 3.466 | 3.408 |
| 03-31-2014 | 3.555 | 3.418 |
| 12-31-2013 | 3.771 | 3.36 |
| 09-30-2013 | 3.769 | 3.431 |
| 06-30-2013 | 3.842 | 3.424 |
| 03-31-2013 | 3.968 | 3.409 |
| 12-31-2012 | 4.132 | 3.496 |
| 09-30-2012 | 4.129 | 3.358 |
| 06-30-2012 | 4.207 | 3.397 |
| 03-31-2012 | 4.236 | 3.422 |
| 12-31-2011 | 4.149 | 3.327 |
| 09-30-2011 | 4.154 | 3.235 |
| 06-30-2011 | 4.133 | 3.252 |
| 03-31-2011 | 4.131 | 3.279 |
| 12-31-2010 | 4.065 | 3.153 |
| 09-30-2010 | 3.961 | 3.136 |
| 06-30-2010 | 3.988 | 3.119 |
| 03-31-2010 | 4.109 | 3.098 |
| 12-31-2009 | 4.161 | 3.07 |
| 09-30-2009 | 4.133 | 3.053 |
| 06-30-2009 | 4.123 | 3.082 |
| 03-31-2009 | 3.982 | 3.049 |
| 12-31-2008 | 3.855 | 3.017 |
| 09-30-2008 | 3.847 | 2.953 |
| 06-30-2008 | 3.732 | 2.855 |
| 03-31-2008 | 3.614 | 2.828 |
| 12-31-2007 | 4.323 | 3.11 |
| 09-30-2007 | 4.505 | 3.065 |
| 06-30-2007 | 4.572 | 3.057 |
| 03-31-2007 | 4.583 | 3.065 |
| 12-31-2006 | 4.611 | 3.187 |
| 09-30-2006 | 4.736 | 3.223 |
| 06-30-2006 | 4.817 | 3.188 |
| 03-31-2006 | 4.99 | 3.178 |
| 12-31-2005 | 4.833 | 3.435 |
| 09-30-2005 | 4.681 | 3.977 |
| 06-30-2005 | 4.596 | 3.47 |
| 03-31-2005 | 4.491 | 3.482 |
| 12-31-2004 | 4.163 | 3.515 |
| 09-30-2004 | 4.063 | 3.448 |
| 06-30-2004 | 4.028 | 3.455 |
| 03-31-2004 | 3.97 | 3.574 |
| 12-31-2003 | 4.381 | 3.574 |
| 09-30-2003 | 4.519 | 3.605 |
| 06-30-2003 | 4.543 | 3.656 |
| 03-31-2003 | 4.549 | 3.717 |
| 12-31-2002 | 5.127 | 3.829 |