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
Unfavorable gap of $9.0M · efficiency ratio beats 21% 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 | 0.31% | 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 |