Kingston, NY · Cert 15970
SI · FDIC · 15 branches
Q2 2026
Market Position · Kingston, NY · 2026 SOD (annual) · 19.1% share · #1 of 16 inst. · $1.0B 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 | 0.21% | 0.23% | 0.29% | 0.34% | 0.39% | 0.44% | 0.59% | 0.55% | +21 bps | |
| Return on Equity | 2.57% | 2.91% | 3.53% | 4.16% | 4.74% | 5.19% | 6.71% | 6.24% | +208 bps | |
| Net Interest Margin | 2.45% | 2.45% | 2.57% | 2.63% | 2.64% | 2.73% | 2.98% | 2.97% | +34 bps | |
| Efficiency Ratio | 92.51% | 91.80% | 90.76% | 89.04% | 87.53% | 86.95% | 82.15% | 82.64% | -640 bps | |
| Non-Interest Burden | 2.18% | 2.16% | 2.22% | 2.21% | 2.16% | 2.22% | 2.22% | 2.24% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.87% | 1.18% | 3.31% | 3.05% | 3.50% | 3.85% | 1.29% | 0.74% | -231 bps | |
| Loan Growth (YoY) | 1.02% | -0.80% | -0.83% | -0.61% | 0.39% | 4.49% | 3.07% | 2.68% | +330 bps | |
| Deposit Growth (YoY) | 7.39% | 8.23% | 9.00% | 8.13% | 6.02% | 3.55% | 1.64% | 1.08% | -705 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.77% | 1.02% | 1.64% | 1.42% | 1.43% | 1.35% | 1.37% | 1.54% | +12 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.04% | 0.03% | 0.04% | 0.03% | 0.00% | 0.03% | +1 bps | |
| Allowance / Loans | 1.20% | 1.18% | 1.17% | 1.16% | 1.15% | 1.08% | 1.10% | 1.09% | -7 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.2x | 0.7x | 0.8x | 0.8x | 0.8x | 0.8x | 0.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.34% | 9.44% | 9.40% | 9.30% | 9.53% | 9.78% | 9.79% | +39 bps | |
| Total Risk-Based Capital | 14.70% | 14.80% | 14.83% | 14.93% | 15.17% | 15.07% | 15.49% | 15.18% | +25 bps | |
| Equity / Assets | 8.30% | 8.13% | 8.27% | 8.29% | 8.51% | 8.76% | 8.96% | 8.95% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.24% | 85.61% | 84.55% | 83.18% | 83.55% | 86.39% | 85.74% | 84.49% | +132 bps | |
| Liquid Assets / Assets | 3.98% | 4.12% | 5.51% | 6.67% | 7.16% | 4.73% | 5.74% | 7.38% | +70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 251% | 257% | 248% | n/a | n/a | |