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
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 | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | -0.02% | 0.39% | 0.84% | Beats 58% | 13 / 31 | | |
| Return on Equity | 3.62% | -0.19% | 2.57% | 5.72% | Beats 61% | 12 / 31 | | |
| Net Interest Margin | 3.58% | 2.51% | 3.30% | 3.85% | Beats 71% | 9 / 31 | | |
| Efficiency Ratio | 84.66% | 68.41% | 83.66% | 91.76% | Beats 48% | 17 / 31 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.21% | 0.18% | 0.47% | 2.65% | Beats 30% | 22 / 30 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.02% | Beats 30% | 22 / 30 | | |
| Capital |
| Tier 1 Capital Ratio | 20.83% | 13.24% | 15.54% | 26.77% | Beats 61% | 12 / 31 | | |
| Total Risk-Based Capital Ratio | 21.45% | 14.07% | 16.32% | 26.77% | Beats 61% | 12 / 31 | | |
| Equity / Assets | 12.90% | 10.38% | 13.26% | 17.83% | Beats 45% | 17 / 31 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.28% | 84.03% | 94.98% | 103.65% | 29th pctl | 22 / 31 | | |
| Loans / Assets | 75.02% | 61.61% | 75.31% | 83.78% | 42nd pctl | 18 / 31 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |