Carthage Savings and Loan, National Association
Carthage, NY · Cert 28942 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Riverbank Financial Corp. MHC
National charter · OCC · 3 branches
Q2 2026
$312.1MAssets
$237.3MLoans
$257.4MDeposits
$47.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 92% of banks under $1B in assets operating in a single state (rank 61 of 746).
- Widest gap: net interest margin trails 78% of banks under $1B in assets operating in a single state (rank 579 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.95%
Rank 432 of 746
Net Interest Margin
3.11%
Rank 579 of 746
Efficiency Ratio
63.40%
Rank 347 of 746
Equity / Assets
15.12%
Rank 95 of 746
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 54% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.72% | 1.06% | 1.45% | Beats 42% | 432 / 746 | | |
| Return on Equity | 6.28% | 6.74% | 10.51% | 13.63% | Beats 23% | 575 / 746 | | |
| Net Interest Margin | 3.11% | 3.17% | 3.68% | 4.16% | Beats 22% | 579 / 746 | | |
| Efficiency Ratio | 63.40% | 55.74% | 64.58% | 75.47% | Beats 54% | 347 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.09% | 0.42% | 1.07% | Beats 58% | 312 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 65% | 263 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 25.26% | 11.55% | 13.75% | 17.60% | Beats 91% | 64 / 746 | | |
| Total Risk-Based Capital Ratio | 26.25% | 11.71% | 14.33% | 18.43% | Beats 92% | 61 / 746 | | |
| Equity / Assets | 15.12% | 8.90% | 10.51% | 13.06% | Beats 87% | 95 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.21% | 61.31% | 78.27% | 90.78% | 78th pctl | 165 / 746 | | |
| Loans / Assets | 76.05% | 53.60% | 66.97% | 76.08% | 75th pctl | 188 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |