Ogdensburg, NY · Cert 13748
National charter · OCC · 3 branches
Q2 2026
Market Position · Rochester, NY · 2026 SOD (annual) · 0.7% share · #13 of 19 inst. · $0.2B of $27.0B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | -0.10% | 0.15% | 0.06% | 0.07% | +24 bps | |
| Return on Equity | -1.75% | -1.00% | 1.49% | 0.58% | 0.64% | +240 bps | |
| Net Interest Margin | 1.73% | 1.72% | 1.74% | 1.98% | 2.19% | +46 bps | |
| Efficiency Ratio | 117.93% | 115.25% | 100.51% | 94.66% | 94.87% | -2,307 bps | |
| Non-Interest Burden | 2.07% | 2.00% | 1.74% | 1.86% | 2.06% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.55% | -3.21% | 4.97% | 6.13% | 12.41% | +2,095 bps | |
| Loan Growth (YoY) | -8.36% | -1.75% | 1.60% | 1.82% | 8.35% | +1,670 bps | |
| Deposit Growth (YoY) | -6.68% | -1.44% | 11.73% | 13.50% | 20.62% | +2,730 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.04% | -0.03% | 0.00% | 0.00% | +6 bps | |
| Allowance / Loans | 1.23% | 1.13% | 1.02% | 1.00% | 0.98% | -26 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.78% | 10.76% | 10.65% | 10.71% | 10.19% | -59 bps | |
| Total Risk-Based Capital | 17.19% | 16.91% | 17.29% | 10.71% | 16.53% | -67 bps | |
| Equity / Assets | 10.58% | 10.17% | 10.45% | 10.11% | 9.78% | -79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 123.97% | 119.17% | 117.23% | 113.66% | 111.36% | -1,261 bps | |
| Liquid Assets / Assets | 6.86% | 9.88% | 8.77% | 10.62% | 11.68% | +482 bps | |
| CRE / Total Capital | n/a | 385% | 382% | 389% | n/a | n/a | |