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Geddes Federal Savings and Loan Association

Syracuse, NY · Cert 30397

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

21

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

Geddes Federal Savings and Loan Association

Syracuse, NY · Cert 30397

State savings bank · OCC · 1 branch

Q2 2026

$685.7MAssets
$580.8MLoans
$512.0MDeposits
$100.1MEquity
Loan mix
100%RE $567.8M0%C&I $0.0M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $487.8M5%Noninterest $24.2MQ2 2025Q2 2026

NIM

3.87%Q2 ’244.18%Q2 ’254.23%Q2 ’26+14%+18%

Non-interest income vs. expense

1.26%Q2 ’241.37%Q2 ’251.35%Q2 ’26+14%-2%

Market Position · Syracuse, NY · 2026 SOD (annual) · 3.2% share · #9 of 15 inst. · $0.5B of $16.2B

Executive Summary

  • Earnings: ROA of 0.32%, up 25 bps year over year; NIM at 1.71%.
  • Asset quality: problem loans at 0.44% of loans (+35 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.70%, down 68 bps from a year ago.
  • Funding: loans stand at 113.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.32%+25 bps YoY

Net Interest Margin (YTD, annualized)

1.71%+26 bps YoY

Efficiency Ratio (YTD, annualized)

77.99%-1,522 bps YoY

Tier 1 Leverage Ratio

14.70%-68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.10%0.04%0.32%0.32%+25 bps
Return on Equity0.45%0.63%0.25%2.10%2.13%+168 bps
Net Interest Margin1.45%1.51%1.51%1.71%1.71%+26 bps
Efficiency Ratio93.20%91.85%96.33%79.30%77.99%-1,522 bps
Non-Interest Burden1.35%1.39%1.46%1.35%1.33%-2 bps
Growth
Asset Growth (YoY)-2.16%-1.01%-0.05%4.41%5.82%+798 bps
Loan Growth (YoY)4.75%3.47%3.99%4.32%3.69%-106 bps
Deposit Growth (YoY)1.30%2.93%4.66%5.70%7.26%+596 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.12%0.25%0.41%0.44%+35 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans0.20%0.20%0.20%0.19%0.19%0 bps
Allowance Coverage of NPLs2.3x1.7x0.8x0.5x0.4x-1.9x
Capital
Tier 1 Leverage Ratio15.38%15.25%15.29%15.14%14.70%-68 bps
Total Risk-Based Capital15.38%15.25%15.29%15.14%14.70%-68 bps
Equity / Assets15.27%15.44%15.17%14.86%14.59%-68 bps
Liquidity & Funding
Loans / Deposits117.33%118.08%116.86%116.78%113.42%-390 bps
Liquid Assets / Assets7.48%7.72%7.63%7.39%7.08%-40 bps
CRE / Total Capitaln/a2.06%3.58%1.98%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

Geddes Federal Savings and Loan Association

Syracuse, NY · Cert 30397 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 1 branch

Q2 2026

$685.7MAssets
$580.8MLoans
$512.0MDeposits
$100.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets operating in a single state (rank 736 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.31%

Rank 668 of 746

Net Interest Margin

1.71%

Rank 736 of 746

Efficiency Ratio

77.99%

Rank 589 of 746

Equity / Assets

14.59%

Rank 112 of 746

Non-interest income vs. expense

$0.1M$9.2MINCOMEEXPENSE
Unfavorable gap of $9.0M · efficiency ratio beats 21% of banks under $1B in assets operating in a single state
Bank 77.99%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.31%0.72%1.06%1.45%Beats 10%668 / 746
Return on Equity2.12%6.74%10.51%13.63%Beats 9%681 / 746
Net Interest Margin1.71%3.17%3.68%4.16%Beats 1%736 / 746
Efficiency Ratio77.99%55.74%64.58%75.47%Beats 21%589 / 746
Asset Quality
Nonperforming Loans / Loans0.44%0.09%0.42%1.07%Beats 49%380 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio14.70%11.55%13.75%17.60%Beats 58%313 / 746
Total Risk-Based Capital Ratio14.70%11.71%14.33%18.43%Beats 52%355 / 746
Equity / Assets14.59%8.90%10.51%13.06%Beats 85%112 / 746
Liquidity & Funding
Loans / Deposits113.42%61.31%78.27%90.78%98th pctl17 / 746
Loans / Assets84.69%53.60%66.97%76.08%95th pctl38 / 746
Brokered Deposits / Depositsn/aNot reported for this institution