Poughkeepsie, NY · Charter 24984
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|
| Earnings | ||||
| Return on Assets | 0.19% | 0.14% | n/a | |
| Return on Equity | 1.80% | 1.29% | n/a | |
| Net Interest Margin | 3.07% | 3.13% | n/a | |
| Efficiency Ratio | 82.52% | 85.96% | n/a | |
| Growth | ||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a |
| Asset Quality | ||||
| Delinquent Loans / Loans | 0.59% | 0.60% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | n/a | |
| Capital | ||||
| Risk-Based Capital | 10.46% | 10.56% | n/a | |
| Net Worth / Assets | 10.46% | 10.56% | n/a | |
| Liquidity & Funding | ||||
| Loans / Shares | 67.71% | 70.07% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | n/a | |