Troy, NY · Cert 57849
FDIC · 1 branch
Q3 2024
Market Position · Albany-Schenectady-Troy, NY · 2024 SOD (annual) · 1.5% share · #15 of 24 inst. · $0.4B of $29.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.84% | 1.17% | 1.02% | 1.24% | 1.47% | 0.99% | 0.86% | -17 bps | |
| Return on Equity | 18.87% | 20.86% | 13.03% | 11.78% | 13.56% | 15.75% | 10.52% | 8.98% | -281 bps | |
| Net Interest Margin | 1.99% | 2.29% | 1.67% | 1.67% | 1.83% | 2.00% | 1.47% | 1.42% | -25 bps | |
| Efficiency Ratio | 6.98% | 6.65% | 10.92% | 10.87% | 7.85% | 8.28% | 11.89% | 12.25% | +138 bps | |
| Non-Interest Burden | 0.13% | 0.15% | 0.18% | 0.18% | 0.14% | 0.16% | 0.17% | 0.17% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.71% | -3.85% | -4.52% | -4.47% | 2.14% | 15.80% | 2.88% | 4.34% | +882 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 4.94% | -6.27% | -5.28% | -6.02% | 0.40% | 15.75% | 1.48% | 3.73% | +975 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.26% | 8.54% | 9.39% | 9.95% | 9.72% | 9.10% | 9.56% | 10.64% | +69 bps | |
| Total Risk-Based Capital | 49.51% | 45.12% | 54.81% | 46.44% | 57.03% | 47.11% | 56.09% | 48.05% | +161 bps | |
| Equity / Assets | 9.31% | 8.44% | 9.63% | 7.95% | 10.66% | 8.36% | 10.66% | 8.63% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 72.37% | 79.59% | 88.07% | 84.82% | 91.75% | 93.76% | 92.01% | 89.79% | +497 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |