Little Valley, NY · Cert 12959 · C C Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 0.1% share · #17 of 20 inst. · $0.1B of $67.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.55% | 0.61% | 0.62% | 0.47% | 0.73% | 0.73% | 0.71% | +8 bps | |
| Return on Equity | 7.57% | 6.24% | 6.37% | 6.45% | 4.78% | 7.40% | 7.27% | 7.01% | +56 bps | |
| Net Interest Margin | 3.69% | 3.74% | 3.87% | 3.90% | 3.76% | 3.89% | 3.84% | 3.95% | +5 bps | |
| Efficiency Ratio | 73.80% | 74.20% | 75.64% | 75.46% | 74.04% | 72.67% | 75.90% | 74.20% | -126 bps | |
| Non-Interest Burden | 2.60% | 2.64% | 2.79% | 2.81% | 2.64% | 2.68% | 2.81% | 2.80% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.16% | -5.38% | -5.34% | -0.78% | -1.11% | 5.65% | 5.76% | 5.34% | +612 bps | |
| Loan Growth (YoY) | 2.88% | -2.65% | -3.79% | -2.68% | -2.31% | -1.17% | -2.50% | -4.25% | -157 bps | |
| Deposit Growth (YoY) | -2.64% | -4.18% | -5.35% | -0.39% | 1.71% | 5.49% | 5.22% | 5.60% | +600 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.59% | 1.56% | 1.66% | 1.59% | 1.76% | 1.31% | 0.96% | 1.73% | +14 bps | |
| Net Charge-Offs / Loans | -0.12% | 0.95% | -0.01% | 0.01% | 0.08% | -0.13% | 1.44% | 0.73% | +71 bps | |
| Allowance / Loans | 1.67% | 0.68% | 0.64% | 0.62% | 1.00% | 1.01% | 0.76% | 0.94% | +32 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.4x | 0.4x | 0.4x | 0.6x | 0.8x | 0.8x | 0.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.92% | 11.02% | 11.24% | 11.30% | 10.99% | 11.15% | 11.07% | 11.26% | -4 bps | |
| Total Risk-Based Capital | 15.00% | 15.66% | 16.06% | 15.17% | 15.44% | 15.94% | 16.04% | 16.43% | +126 bps | |
| Equity / Assets | 9.30% | 9.49% | 9.73% | 9.84% | 10.02% | 10.15% | 9.99% | 10.07% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.15% | 73.34% | 71.55% | 70.84% | 70.26% | 68.71% | 66.30% | 64.23% | -661 bps | |
| Liquid Assets / Assets | 10.19% | 7.47% | 10.20% | 11.68% | 11.58% | 11.60% | 10.97% | 13.91% | +222 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 301% | 287% | 277% | n/a | n/a | |