Seneca Falls, NY · Cert 59149
FDIC · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 1.27% | 1.22% | 1.23% | 1.19% | 0.70% | 0.90% | 0.99% | -24 bps | |
| Return on Equity | 1.40% | 2.61% | 2.55% | 2.54% | 2.45% | 1.39% | 1.50% | 1.50% | -104 bps | |
| Net Interest Margin | 1.39% | 2.06% | 2.09% | 2.07% | 2.04% | 1.37% | 2.53% | 2.87% | +80 bps | |
| Efficiency Ratio | 37.19% | 22.34% | 22.70% | 22.66% | 23.27% | 36.07% | 34.11% | 34.02% | +1,136 bps | |
| Non-Interest Burden | 0.52% | 0.46% | 0.48% | 0.47% | 0.48% | 0.49% | 0.86% | 0.98% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.41% | 2.51% | 6.88% | 1.67% | -1.24% | -3.76% | -52.58% | -47.28% | -4,894 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) | 20.38% | 3.44% | 11.90% | -8.33% | -2.59% | -8.46% | -99.16% | -100.00% | -9,167 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 | 56.25% | 53.84% | 55.98% | 55.68% | 56.56% | 56.19% | 98.53% | 112.13% | +5,646 bps | |
| Total Risk-Based Capital | 242% | 240% | 227% | 250% | 237% | 249% | 434% | 437% | +18,735 bps | |
| Equity / Assets | 48.74% | 48.99% | 45.46% | 51.03% | 49.66% | 51.15% | 97.08% | 97.42% | +4,639 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 47.42% | 47.17% | 52.86% | 47.19% | 48.90% | 47.38% | 4.62% | 4.16% | -4,302 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | n/a | n/a |