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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.19% | 0.07% | 0.07% | 0.15% | -0.14% | 0.32% | 0.32% | +25 bps | |
| Return on Equity | 0.13% | -1.23% | 0.43% | 0.47% | 0.98% | -0.89% | 2.10% | 2.16% | +169 bps | |
| Net Interest Margin | 1.29% | 1.28% | 1.38% | 1.51% | 1.66% | 1.51% | 1.71% | 1.77% | +25 bps | |
| Efficiency Ratio | 100.56% | 118.93% | 95.63% | 90.96% | 89.52% | 109.84% | 79.30% | 76.75% | -1,421 bps | |
| Non-Interest Burden | 1.29% | 1.53% | 1.32% | 1.37% | 1.49% | 1.66% | 1.35% | 1.35% | -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% | 0.04% | 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 | |