Fulton, NY · Cert 15966
SI · FDIC · 6 branches
Q2 2026
Market Position · Syracuse, NY · 2026 SOD (annual) · 1.7% share · #11 of 15 inst. · $0.3B of $16.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.13% | 2.61% | 1.84% | 0.72% | 2.86% | +73 bps | |
| Return on Equity | 8.10% | 9.57% | 6.54% | 2.54% | 10.04% | +194 bps | |
| Net Interest Margin | 3.39% | 3.38% | 3.52% | 3.29% | 3.44% | +5 bps | |
| Efficiency Ratio | 48.48% | 48.60% | 83.03% | 72.04% | 46.69% | -179 bps | |
| Non-Interest Burden | 0.46% | 0.36% | 2.59% | 2.21% | 0.04% | -42 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.69% | 0.80% | 2.41% | 2.41% | 2.36% | -132 bps | |
| Loan Growth (YoY) | 4.27% | 3.48% | 5.24% | 4.79% | 5.53% | +126 bps | |
| Deposit Growth (YoY) | 3.60% | 3.03% | 0.10% | -8.33% | -6.91% | -1,051 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.88% | 0.80% | 0.68% | 0.70% | +20 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.07% | 0.02% | 0.00% | -8 bps | |
| Allowance / Loans | 0.55% | 0.43% | 0.48% | 0.61% | 0.55% | 0 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.5x | 0.6x | 0.9x | 0.8x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 30.45% | 31.18% | 31.36% | 30.85% | 31.44% | +99 bps | |
| Total Risk-Based Capital | 40.93% | 40.87% | 41.62% | 40.91% | 41.71% | +78 bps | |
| Equity / Assets | 26.60% | 27.93% | 28.27% | 28.00% | 28.98% | +238 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.58% | 85.15% | 88.00% | 91.88% | 92.47% | +1,090 bps | |
| Liquid Assets / Assets | 4.20% | 2.30% | 3.18% | 4.18% | 3.07% | -113 bps | |
| CRE / Total Capital | n/a | 14.62% | 16.27% | 14.84% | n/a | n/a | |