Syracuse, NY · Cert 30397
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
65
Asset Quality
75
Profitability
7
Liquidity
0
Efficiency
21
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.
Syracuse, NY · Cert 30397
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Syracuse, NY · 2026 SOD (annual) · 3.2% share · #9 of 15 inst. · $0.5B of $16.2B
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 | 0.05% | -0.01% | 0.07% | 0.07% | 0.10% | 0.04% | 0.32% | 0.32% | +25 bps | |
| Return on Equity | 0.35% | -0.04% | 0.43% | 0.45% | 0.63% | 0.25% | 2.10% | 2.13% | +168 bps | |
| Net Interest Margin | 1.27% | 1.29% | 1.38% | 1.45% | 1.51% | 1.51% | 1.71% | 1.71% | +26 bps | |
| Efficiency Ratio | 95.92% | 101.52% | 95.63% | 93.20% | 91.85% | 96.33% | 79.30% | 77.99% | -1,522 bps | |
| Non-Interest Burden | 1.22% | 1.31% | 1.32% | 1.35% | 1.39% | 1.46% | 1.35% | 1.33% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.42% | 0.43% | -1.25% | -2.16% | -1.01% | -0.05% | 4.41% | 5.82% | +798 bps | |
| Loan Growth (YoY) | 0.22% | 1.34% | 3.61% | 4.75% | 3.47% | 3.99% | 4.32% | 3.69% | -106 bps | |
| Deposit Growth (YoY) | 7.22% | 4.00% | 2.72% | 1.30% | 2.93% | 4.66% | 5.70% | 7.26% | +596 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.10% | 0.09% | 0.12% | 0.25% | 0.41% | 0.44% | +35 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.20% | 0.19% | 0.19% | 0.20% | 0.20% | 0.20% | 0.19% | 0.19% | 0 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.0x | 1.9x | 2.3x | 1.7x | 0.8x | 0.5x | 0.4x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.99% | 15.18% | 15.31% | 15.38% | 15.25% | 15.29% | 15.14% | 14.70% | -68 bps | |
| Total Risk-Based Capital | 14.99% | 15.18% | 15.31% | 15.38% | 15.25% | 15.29% | 15.14% | 14.70% | -68 bps | |
| Equity / Assets | 15.26% | 15.13% | 15.42% | 15.27% | 15.44% | 15.17% | 14.86% | 14.59% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.46% | 117.61% | 118.33% | 117.33% | 118.08% | 116.86% | 116.78% | 113.42% | -390 bps | |
| Liquid Assets / Assets | 8.10% | 7.99% | 7.50% | 7.48% | 7.72% | 7.63% | 7.39% | 7.08% | -40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 2.06% | 3.58% | 1.98% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.31% | 0.72% | 1.06% | 1.45% | Beats 10% | 668 / 746 | ||
| Return on Equity | 2.12% | 6.74% | 10.51% | 13.63% | Beats 9% | 681 / 746 | ||
| Net Interest Margin | 1.71% | 3.17% | 3.68% | 4.16% | Beats 1% | 736 / 746 | ||
| Efficiency Ratio | 77.99% | 55.74% | 64.58% | 75.47% | Beats 21% | 589 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.09% | 0.42% | 1.07% | Beats 49% | 380 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.70% | 11.55% | 13.75% | 17.60% | Beats 58% | 313 / 746 | ||
| Total Risk-Based Capital Ratio | 14.70% | 11.71% | 14.33% | 18.43% | Beats 52% | 355 / 746 | ||
| Equity / Assets | 14.59% | 8.90% | 10.51% | 13.06% | Beats 85% | 112 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 113.42% | 61.31% | 78.27% | 90.78% | 98th pctl | 17 / 746 | ||
| Loans / Assets | 84.69% | 53.60% | 66.97% | 76.08% | 95th pctl | 38 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||