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 (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 | 0.30% | 0.67% | 0.59% | 0.71% | 0.83% | 0.50% | 0.51% | 0.68% | -3 bps | |
| Return on Equity | 4.38% | 9.48% | 8.46% | 9.84% | 10.98% | 6.55% | 6.92% | 8.88% | -97 bps | |
| Net Interest Margin | 2.47% | 2.63% | 2.62% | 2.72% | 2.79% | 2.91% | 2.86% | 2.88% | +16 bps | |
| Efficiency Ratio | 84.71% | 76.21% | 80.90% | 77.11% | 79.94% | 80.73% | 84.10% | 82.72% | +560 bps | |
| Non-Interest Burden | 2.05% | 1.94% | 2.06% | 2.03% | 2.16% | 2.30% | 2.36% | 2.32% | +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 | 0.29% | 0.16% | 0.04% | 0.00% | -0.19% | -0.09% | 0.00% | 0.12% | +12 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 | |