Utica, NY · Cert 13397
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Utica-Rome, NY · 2026 SOD (annual) · 19.0% share · #1 of 9 inst. · $1.1B of $5.6B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.59% | 2.18%1 | 2.31%1 | 3.06%1 | 4.80%1 | +321 bps | |
| Return on Equity | 6.67% | 9.09% | 9.48% | 11.97% | 18.69% | +1,201 bps | |
| Net Interest Margin | 1.75% | 1.75% | 1.79% | 1.86% | 1.89% | +14 bps | |
| Efficiency Ratio | 37.87% | 37.61% | 36.73% | 36.82% | 35.02% | -286 bps | |
| Non-Interest Burden | 0.63% | 0.63% | 0.64% | 0.66% | 0.64% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.76% | 5.97% | 1.18% | 2.04% | 6.68% | -107 bps | |
| Loan Growth (YoY) | 13.24% | 10.57% | 14.32% | 16.78% | 20.34% | +710 bps | |
| Deposit Growth (YoY) | 8.97% | 6.37% | -1.64% | -1.34% | 3.03% | -594 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.30% | 1.87% | 0.67% | 0.81% | 0.59% | -71 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.05% | 0.06% | 0.02% | 0.01% | +2 bps | |
| Allowance / Loans | 0.90% | 0.82% | 0.80% | 1.11% | 0.83% | -7 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.4x | 1.2x | 1.4x | 1.4x | +0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 24.27% | 24.87% | 25.55% | 25.79% | 26.49% | +223 bps | |
| Total Risk-Based Capital | 24.27% | 24.87% | 25.55% | 25.79% | 26.49% | +223 bps | |
| Equity / Assets | 24.06% | 24.59% | 25.55% | 25.56% | 25.96% | +190 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 12.30% | 12.79% | 14.09% | 14.04% | 14.37% | +207 bps | |
| Liquid Assets / Assets | 76.40% | 75.50% | 74.29% | 74.02% | 73.33% | -307 bps | |
| CRE / Total Capital | n/a | 9.82% | 10.19% | 10.15% | n/a | n/a | |