Saugerties, NY · Cert 16039
SI · FDIC · 4 branches
Q2 2026
Market Position · Kingston, NY · 2026 SOD (annual) · 4.7% share · #8 of 16 inst. · $0.2B 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% | 0.25% | 0.31% | 0.27% | 0.29% | 0.27% | 0.30% | 0.30% | +3 bps | |
| Return on Equity | 2.26% | 2.72% | 3.24% | 2.76% | 2.91% | 2.75% | 2.93% | 2.93% | +17 bps | |
| Net Interest Margin | 2.71% | 2.72% | 2.81% | 2.81% | 2.83% | 2.83% | 3.10% | 3.11% | +30 bps | |
| Efficiency Ratio | 88.66% | 86.63% | 85.70% | 87.33% | 86.74% | 86.84% | 87.34% | 87.29% | -4 bps | |
| Non-Interest Burden | 2.37% | 2.32% | 2.36% | 2.42% | 2.41% | 2.42% | 2.67% | 2.68% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.25% | -1.09% | -2.39% | -1.71% | -2.05% | 0.26% | -1.63% | -0.40% | +131 bps | |
| Loan Growth (YoY) | -0.78% | -0.70% | -2.45% | -2.76% | -3.60% | -3.99% | -3.15% | -1.95% | +81 bps | |
| Deposit Growth (YoY) | -1.14% | -1.91% | -3.53% | -2.20% | -2.49% | -0.10% | -2.37% | -1.32% | +88 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.38% | 1.04% | 0.72% | 1.60% | 2.04% | 1.29% | 1.20% | 2.57% | +97 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.94% | 0.98% | 1.01% | 1.02% | 1.03% | 1.06% | 1.08% | 1.07% | +5 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.9x | 1.4x | 0.6x | 0.5x | 0.8x | 0.9x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.29% | 10.40% | 10.64% | 10.72% | 10.76% | 10.81% | 10.91% | 11.02% | +30 bps | |
| Total Risk-Based Capital | 16.77% | 17.17% | 17.58% | 17.61% | 18.22% | 18.73% | 18.86% | 18.54% | +94 bps | |
| Equity / Assets | 9.63% | 9.54% | 9.83% | 9.75% | 10.15% | 10.03% | 10.39% | 10.27% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.15% | 97.28% | 97.63% | 96.26% | 97.04% | 93.49% | 96.85% | 95.64% | -62 bps | |
| Liquid Assets / Assets | 2.17% | 3.62% | 3.29% | 4.33% | 4.68% | 8.03% | 5.52% | 6.79% | +246 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 262% | 261% | n/a | n/a | |