Monticello, NY · Cert 33859
FDIC · 11 branches
Q4 2024
Market Position · Kingston, NY · 2024 SOD (annual) · 1.4% share · #13 of 19 inst. · $0.1B of $4.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.22% | -0.19% | 0.00% | -0.38% | -0.34% | -0.47% | -0.47% | -47 bps | |
| Return on Equity | 4.92% | 3.12% | -2.69% | -0.03% | -5.38% | -4.85% | -6.48% | -6.50% | -647 bps | |
| Net Interest Margin | 2.94% | 2.71% | 2.37% | 2.34% | 2.08% | 2.05% | 2.01% | 2.08% | -26 bps | |
| Efficiency Ratio | 86.60% | 90.96% | 110.59% | 100.08% | 120.98% | 124.98% | 131.50% | 128.22% | +2,814 bps | |
| Non-Interest Burden | 2.53% | 2.44% | 2.62% | 2.33% | 2.54% | 2.59% | 2.68% | 2.70% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.10% | -2.08% | -0.53% | -0.74% | -1.42% | -0.89% | -7.86% | -8.14% | -740 bps | |
| Loan Growth (YoY) | 7.87% | 9.40% | 10.21% | 6.68% | 2.35% | -0.71% | -2.44% | -3.99% | -1,067 bps | |
| Deposit Growth (YoY) | -0.48% | -2.89% | -1.16% | -0.33% | -1.25% | -0.72% | -8.51% | -15.06% | -1,473 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.22% | 0.22% | 0.16% | 0.16% | 0.16% | 0.16% | 0.16% | +1 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.12% | -0.01% | 0.20% | 0.00% | -0.03% | -0.03% | 0.00% | -20 bps | |
| Allowance / Loans | 0.55% | 0.56% | 0.54% | 0.50% | 0.50% | 0.50% | 0.49% | 0.49% | -1 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.5x | 2.5x | 3.1x | 3.1x | 3.1x | 3.0x | 3.0x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.54% | 7.77% | 7.92% | 7.39% | 7.32% | 7.42% | 7.63% | 7.50% | +11 bps | |
| Total Risk-Based Capital | 12.39% | 12.18% | 12.15% | 11.66% | 11.97% | 11.89% | 11.92% | 11.97% | +31 bps | |
| Equity / Assets | 6.96% | 7.35% | 6.67% | 7.12% | 6.88% | 7.14% | 7.22% | 7.31% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.46% | 85.75% | 79.81% | 83.74% | 81.32% | 85.76% | 85.11% | 94.65% | +1,091 bps | |
| Liquid Assets / Assets | 1.01% | 2.45% | 4.82% | 2.28% | 3.41% | 2.86% | 5.19% | 2.43% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |