Union Springs, NY · Cert 6954 · Cayuga Lake Bank Corp.
National charter · OCC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
23
Profitability
27
Liquidity
68
Efficiency
20
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Union Springs, NY · Cert 6954 · Cayuga Lake Bank Corp.
National charter · OCC · 3 branches
Q2 2026
Market Position · Ithaca, NY · 2026 SOD (annual) · 1.2% share · #10 of 11 inst. · $0.0B of $2.9B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.26% | 0.59% | 0.65% | 0.71% | 0.66% | 0.51% | 0.60% | -6 bps | |
| Return on Equity | 1.82% | 3.82% | 8.46% | 9.18% | 9.74% | 8.96% | 6.92% | 7.88% | -131 bps | |
| Net Interest Margin | 2.35% | 2.44% | 2.62% | 2.67% | 2.72% | 2.78% | 2.86% | 2.87% | +21 bps | |
| Efficiency Ratio | 86.69% | 83.93% | 80.90% | 78.98% | 79.31% | 79.68% | 84.10% | 83.40% | +442 bps | |
| Non-Interest Burden | 2.00% | 2.01% | 2.06% | 2.04% | 2.09% | 2.16% | 2.36% | 2.35% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.80% | -2.70% | -0.43% | -3.26% | -3.87% | 2.02% | 0.08% | -0.86% | +241 bps | |
| Loan Growth (YoY) | 5.84% | 0.87% | -4.66% | -6.60% | -8.05% | -7.14% | -3.04% | -2.02% | +458 bps | |
| Deposit Growth (YoY) | -0.35% | -2.30% | -1.13% | -2.87% | -0.08% | 2.73% | 0.13% | -1.25% | +162 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.42% | 2.89% | 1.47% | 1.57% | 2.28% | 2.20% | 2.47% | 2.46% | +89 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.20% | 0.04% | 0.02% | -0.05% | -0.06% | 0.00% | 0.06% | +4 bps | |
| Allowance / Loans | 1.35% | 1.37% | 1.39% | 1.39% | 1.36% | 1.36% | 1.33% | 1.23% | -15 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.5x | 0.9x | 0.9x | 0.6x | 0.6x | 0.5x | 0.5x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.83% | 9.12% | 9.26% | 9.44% | 9.70% | 9.35% | 9.22% | 9.30% | -13 bps | |
| Total Risk-Based Capital | 16.99% | 17.26% | 18.39% | 18.99% | 19.49% | 18.68% | 18.47% | 18.69% | -29 bps | |
| Equity / Assets | 7.14% | 6.90% | 7.15% | 7.24% | 7.94% | 7.35% | 7.45% | 7.93% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.40% | 73.72% | 70.53% | 70.90% | 70.31% | 66.63% | 68.29% | 70.35% | -56 bps | |
| Liquid Assets / Assets | 9.22% | 9.68% | 11.42% | 10.07% | 10.38% | 14.48% | 11.95% | 9.21% | -86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 113.92% | 123.85% | 129.07% | n/a | n/a | |
Union Springs, NY · Cert 6954 · Peer group: banks under $1B in assets (n=581-629) · Cayuga Lake Bank Corp.
National charter · OCC · 3 branches
Q2 2026
Return on Assets
0.61%
Rank 469 of 629
Net Interest Margin
2.87%
Rank 509 of 629
Efficiency Ratio
83.40%
Rank 506 of 629
Equity / Assets
7.93%
Rank 557 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.60% | 1.01% | 1.45% | Beats 25% | 469 / 629 | ||
| Return on Equity | 7.71% | 5.38% | 9.30% | 13.28% | Beats 38% | 390 / 629 | ||
| Net Interest Margin | 2.87% | 3.03% | 3.54% | 4.05% | Beats 19% | 509 / 629 | ||
| Efficiency Ratio | 83.40% | 58.35% | 67.79% | 79.08% | Beats 20% | 506 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.46% | 0.09% | 0.46% | 1.20% | Beats 10% | 524 / 581 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 36% | 371 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.44% | 11.24% | 13.84% | 18.77% | Beats 71% | 181 / 629 | ||
| Total Risk-Based Capital Ratio | 18.69% | 11.58% | 14.43% | 19.66% | Beats 72% | 174 / 629 | ||
| Equity / Assets | 7.93% | 9.09% | 10.65% | 13.80% | Beats 11% | 557 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.35% | 67.24% | 80.90% | 93.48% | 31st pctl | 409 / 594 | ||
| Loans / Assets | 64.01% | 53.31% | 67.71% | 78.15% | 43rd pctl | 360 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||