PackageTrendsPeer
Letter portraitLegal landscape

Cross County Savings Bank

Middle Village, NY · Cert 30260

SI · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cross County Savings Bank

Middle Village, NY · Cert 30260

SI · FDIC · 6 branches

Q2 2026

$525.4MAssets
$394.2MLoans
$446.5MDeposits
$67.8MEquity
Loan mix
100%RE $401.0M0%C&I $0.0M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $360.9M19%Noninterest $85.6MQ2 2025Q2 2026

NIM

4.67%Q2 ’244.70%Q2 ’254.74%Q2 ’26+2%+4%

Non-interest income vs. expense

3.14%Q2 ’243.14%Q2 ’253.23%Q2 ’260%+2%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #102 of 151 inst. · $0.4B of $2921.1B

0.4% Queens
0.1% Kings
0.1% Bronx

Executive Summary

  • Earnings: ROA of 0.46%, up 5 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 2.21% of loans (+135 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.84%, up 66 bps from a year ago.
  • Funding: loans stand at 88.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.46%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+13 bps YoY

Efficiency Ratio (YTD, annualized)

84.66%-121 bps YoY

Tier 1 Leverage Ratio

12.84%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.54%0.53%0.41%0.46%+5 bps
Return on Equity3.40%4.43%4.35%3.26%3.64%+24 bps
Net Interest Margin3.45%3.48%3.50%3.53%3.58%+13 bps
Efficiency Ratio85.87%82.94%82.90%86.25%84.66%-121 bps
Non-Interest Burden2.93%2.82%2.85%3.02%2.99%+6 bps
Growth
Asset Growth (YoY)-1.25%-2.55%-1.19%0.35%-1.23%+2 bps
Loan Growth (YoY)-1.98%-3.10%-1.97%-1.61%-1.58%+39 bps
Deposit Growth (YoY)0.00%-1.59%-1.98%-0.51%-2.14%-214 bps
Asset Quality
Nonperforming Loans / Loans0.85%0.85%1.08%1.11%2.21%+135 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.51%0.51%0.51%0.51%0.52%+1 bps
Allowance Coverage of NPLs0.6x0.6x0.5x0.5x0.2x-0.4x
Capital
Tier 1 Leverage Ratio12.17%12.53%12.73%12.65%12.84%+66 bps
Total Risk-Based Capital20.44%20.98%21.02%21.23%21.45%+101 bps
Equity / Assets12.17%12.58%12.60%12.48%12.90%+72 bps
Liquidity & Funding
Loans / Deposits87.78%88.76%88.90%87.41%88.28%+50 bps
Liquid Assets / Assets10.86%10.59%10.51%11.66%10.68%-18 bps
CRE / Total Capitaln/a160.74%156.83%157.21%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cross County Savings Bank

Middle Village, NY · Cert 30260 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)

SI · FDIC · 6 branches

Q2 2026

$525.4MAssets
$394.2MLoans
$446.5MDeposits
$67.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 71% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 9 of 31).
  • Widest gap: net charge-offs / loans trails 70% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 22 of 30).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.47%

Rank 13 of 31

Net Interest Margin

3.58%

Rank 9 of 31

Efficiency Ratio

84.66%

Rank 17 of 31

Equity / Assets

12.90%

Rank 17 of 31

Non-interest income vs. expense

$1.3M$17.2MINCOMEEXPENSE
Unfavorable gap of $15.9M · efficiency ratio beats 48% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 84.66%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.47%-0.02%0.39%0.84%Beats 58%13 / 31
Return on Equity3.62%-0.19%2.57%5.72%Beats 61%12 / 31
Net Interest Margin3.58%2.51%3.30%3.85%Beats 71%9 / 31
Efficiency Ratio84.66%68.41%83.66%91.76%Beats 48%17 / 31
Asset Quality
Nonperforming Loans / Loans2.21%0.18%0.47%2.65%Beats 30%22 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 30%22 / 30
Capital
Tier 1 Capital Ratio20.83%13.24%15.54%26.77%Beats 61%12 / 31
Total Risk-Based Capital Ratio21.45%14.07%16.32%26.77%Beats 61%12 / 31
Equity / Assets12.90%10.38%13.26%17.83%Beats 45%17 / 31
Liquidity & Funding
Loans / Deposits88.28%84.03%94.98%103.65%29th pctl22 / 31
Loans / Assets75.02%61.61%75.31%83.78%42nd pctl18 / 31
Brokered Deposits / Depositsn/aNot reported for this institution