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 (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 | 2.06% | 1.90% | 0.88% | 1.51% | 1.88% | 1.86% | 0.72% | 1.79% | +28 bps | |
| Return on Equity | 8.14% | 7.45% | 3.38% | 5.75% | 7.04% | 6.90% | 2.54% | 6.30% | +55 bps | |
| Net Interest Margin | 3.36% | 3.29% | 3.28% | 3.34% | 3.36% | 3.36% | 3.29% | 3.35% | +1 bps | |
| Efficiency Ratio | 52.55% | 59.76% | 76.02% | 59.55% | 55.37% | 62.69% | 72.04% | 56.18% | -337 bps | |
| Non-Interest Burden | 0.71% | 1.21% | 2.37% | 1.42% | 1.07% | 1.43% | 2.21% | 1.12% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.47% | 3.38% | 2.91% | 3.69% | 0.80% | 2.41% | 2.41% | 2.36% | -132 bps | |
| Loan Growth (YoY) | 6.36% | 5.43% | 4.86% | 4.27% | 3.48% | 5.24% | 4.79% | 5.53% | +126 bps | |
| Deposit Growth (YoY) | -5.31% | -0.74% | 4.79% | 3.60% | 3.03% | 0.10% | -8.33% | -6.91% | -1,051 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.62% | 0.54% | 0.52% | 0.50% | 0.88% | 0.80% | 0.68% | 0.70% | +20 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.06% | 0.04% | 0.06% | 0.04% | 0.05% | 0.02% | 0.01% | -5 bps | |
| Allowance / Loans | 0.48% | 0.45% | 0.41% | 0.55% | 0.43% | 0.48% | 0.61% | 0.55% | 0 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.8x | 1.1x | 0.5x | 0.6x | 0.9x | 0.8x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 30.31% | 29.66% | 29.80% | 30.45% | 31.18% | 31.36% | 30.85% | 31.44% | +99 bps | |
| Total Risk-Based Capital | 54.07% | 41.06% | 40.92% | 40.93% | 40.87% | 41.62% | 40.91% | 41.71% | +78 bps | |
| Equity / Assets | 26.11% | 26.06% | 26.07% | 26.60% | 27.93% | 28.27% | 28.00% | 28.98% | +238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.78% | 83.70% | 80.37% | 81.58% | 85.15% | 88.00% | 91.88% | 92.47% | +1,090 bps | |
| Liquid Assets / Assets | 3.45% | 4.05% | 5.00% | 4.20% | 2.30% | 3.18% | 4.18% | 3.07% | -113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 14.62% | 16.27% | 14.84% | n/a | n/a | |