[2] It operates 36 branches across New York City's five boroughs, Long Island and Westchester County.

It began when 14 local businessmen in Ridgewood, Queens decided to form a mutual savings bank to serve the needs of the community.

The Bank's first headquarters was a converted Taproom located at the intersection of Myrtle and Forest Avenues.

The building architects were Halsey, McCormack and Helmer, Inc. and the general contractors were Stamarith Construction Corporation.

In 2007, City and Suburban Bank joined Ridgewood Savings, increasing the number of branches by 12.