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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.14% | -0.07% | -0.02% | 0.20% | 0.42% | 0.15% | 0.39% | +41 bps | |
| Return on Equity | 0.24% | -1.79% | -0.92% | -0.25% | 2.44% | 5.05% | 1.78% | 4.59% | +485 bps | |
| Net Interest Margin | 1.92% | 1.72% | 1.94% | 2.04% | 2.24% | 2.39% | 2.43% | 2.50% | +46 bps | |
| Efficiency Ratio | 103.19% | 110.80% | 107.16% | 100.35% | 89.25% | 83.06% | 89.53% | 84.08% | -1,627 bps | |
| Non-Interest Burden | 2.00% | 1.95% | 2.11% | 2.05% | 1.96% | 1.88% | 2.15% | 2.05% | -1 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 | 0.00% | 0.05% | 0.00% | 0.00% | 0.17% | 0.01% | 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 | |