Rochester, NY · Cert 26333 · Greater Rochester Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Rochester, NY · 2026 SOD (annual) · 4.0% share · #9 of 19 inst. · $1.1B of $27.0B
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 | 0.72% | 0.81% | 0.95% | 1.15% | 1.12% | 1.19% | 1.30% | 1.54% | +39 bps | |
| Return on Equity | 9.33% | 10.42% | 12.03% | 14.35% | 13.80% | 14.28% | 14.39% | 16.69% | +235 bps | |
| Net Interest Margin | 2.23% | 2.27% | 2.69% | 2.74% | 2.78% | 2.81% | 3.01% | 3.08% | +34 bps | |
| Efficiency Ratio | 61.60% | 61.05% | 61.69% | 57.84% | 55.36% | 56.19% | 54.08% | 52.71% | -514 bps | |
| Non-Interest Burden | 1.02% | 1.03% | 1.32% | 1.09% | 0.99% | 1.07% | 1.14% | 0.99% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.36% | 8.68% | 8.49% | 8.64% | 7.24% | 5.83% | 4.77% | 2.13% | -651 bps | |
| Loan Growth (YoY) | 9.55% | 11.74% | 8.95% | 4.21% | 5.16% | -0.09% | 1.59% | 0.44% | -377 bps | |
| Deposit Growth (YoY) | 15.39% | 15.00% | 17.76% | 8.19% | 7.33% | 6.92% | 9.10% | 9.81% | +163 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.11% | 0.06% | 0.70% | 0.65% | 0.72% | 0.63% | 0.59% | -10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | +5 bps | |
| Allowance / Loans | 1.17% | 1.16% | 1.26% | 1.30% | 1.29% | 1.35% | 1.42% | 1.38% | +8 bps | |
| Allowance Coverage of NPLs | 16.6x | 11.0x | 21.2x | 1.9x | 2.0x | 1.9x | 2.3x | 2.3x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.56% | 9.53% | 9.80% | 10.08% | 10.05% | 10.19% | 10.62% | 10.97% | +89 bps | |
| Total Risk-Based Capital | 9.56% | 9.53% | 9.80% | 10.08% | 10.05% | 10.19% | 10.62% | 10.97% | +89 bps | |
| Equity / Assets | 8.01% | 7.78% | 8.05% | 8.21% | 8.53% | 8.90% | 9.15% | 9.54% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.06% | 95.19% | 92.78% | 92.52% | 94.12% | 88.95% | 86.39% | 84.62% | -790 bps | |
| Liquid Assets / Assets | 3.89% | 3.68% | 7.20% | 8.24% | 8.80% | 8.79% | 9.64% | 9.11% | +87 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 297% | 294% | 288% | n/a | n/a | |