Kingston, NY · Cert 15969
SI · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
71
Profitability
9
Liquidity
39
Efficiency
10
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kingston, NY · Cert 15969
SI · FDIC · 5 branches
Q2 2026
Market Position · Kingston, NY · 2026 SOD (annual) · 8.6% share · #4 of 16 inst. · $0.4B of $5.0B
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 | 0.12% | 0.06% | -0.07% | -0.05% | 0.03% | 0.13% | 0.15% | 0.27% | +32 bps | |
| Return on Equity | 1.72% | 0.83% | -0.92% | -0.59% | 0.44% | 1.63% | 1.78% | 3.19% | +377 bps | |
| Net Interest Margin | 1.95% | 1.92% | 1.94% | 2.00% | 2.09% | 2.18% | 2.43% | 2.46% | +46 bps | |
| Efficiency Ratio | 100.53% | 102.94% | 107.16% | 103.72% | 98.60% | 94.12% | 89.53% | 86.75% | -1,697 bps | |
| Non-Interest Burden | 1.97% | 1.99% | 2.11% | 2.09% | 2.06% | 2.03% | 2.15% | 2.09% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.36% | -6.58% | -5.44% | -4.53% | -5.60% | -2.83% | -3.20% | -1.60% | +292 bps | |
| Loan Growth (YoY) | 0.00% | -3.79% | -6.04% | -7.95% | -6.80% | -4.04% | -2.14% | 0.50% | +845 bps | |
| Deposit Growth (YoY) | -7.65% | -7.01% | -1.85% | 4.65% | 2.89% | 3.32% | -2.20% | -2.06% | -671 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.97% | 0.88% | 0.92% | 0.42% | 0.46% | 0.46% | 0.19% | -73 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.00% | 0.00% | 0.06% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.03% | 1.00% | 0.98% | 1.01% | 0.99% | 0.97% | 0.98% | 0.98% | -3 bps | |
| Allowance Coverage of NPLs | 3.4x | 1.0x | 1.1x | 1.1x | 2.3x | 2.1x | 2.1x | 5.1x | +4.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.95% | 9.06% | 9.19% | 9.29% | 9.38% | 9.58% | 9.71% | 9.79% | +50 bps | |
| Total Risk-Based Capital | 14.77% | 15.33% | 15.55% | 15.92% | 15.88% | 15.91% | 15.96% | 16.10% | +18 bps | |
| Equity / Assets | 7.59% | 7.58% | 7.75% | 7.85% | 8.19% | 8.45% | 8.45% | 8.54% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.19% | 98.90% | 93.08% | 89.26% | 90.76% | 91.86% | 93.13% | 91.60% | +234 bps | |
| Liquid Assets / Assets | 3.97% | 3.92% | 5.88% | 7.03% | 6.11% | 5.53% | 5.40% | 5.84% | -118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 186.33% | 186.90% | 185.25% | n/a | n/a | |
Kingston, NY · Cert 15969 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 5 branches
Q2 2026
Return on Assets
0.27%
Rank 679 of 746
Net Interest Margin
2.46%
Rank 703 of 746
Efficiency Ratio
86.75%
Rank 672 of 746
Equity / Assets
8.54%
Rank 597 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.27% | 0.72% | 1.06% | 1.45% | Beats 9% | 679 / 746 | ||
| Return on Equity | 3.16% | 6.74% | 10.51% | 13.63% | Beats 12% | 659 / 746 | ||
| Net Interest Margin | 2.46% | 3.17% | 3.68% | 4.16% | Beats 6% | 703 / 746 | ||
| Efficiency Ratio | 86.75% | 55.74% | 64.58% | 75.47% | Beats 10% | 672 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.19% | 0.09% | 0.42% | 1.07% | Beats 67% | 247 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 74% | 198 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.86% | 11.55% | 13.75% | 17.60% | Beats 60% | 299 / 746 | ||
| Total Risk-Based Capital Ratio | 16.10% | 11.71% | 14.33% | 18.43% | Beats 64% | 269 / 746 | ||
| Equity / Assets | 8.54% | 8.90% | 10.51% | 13.06% | Beats 20% | 597 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.60% | 61.31% | 78.27% | 90.78% | 77th pctl | 173 / 746 | ||
| Loans / Assets | 80.38% | 53.60% | 66.97% | 76.08% | 86th pctl | 105 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||