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National Bank of Coxsackie, The

Coxsackie, NY · Cert 7018

National charter · 8 branches

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=557 to 606). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q1 2026peer median (50)

Asset Quality

39

Q2 2024Q1 2026peer median (50)

Profitability

8

Q2 2024Q1 2026peer median (50)

Liquidity

99

Q2 2024Q1 2026peer median

Efficiency

4

Q2 2024Q1 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

National Bank of Coxsackie, The

Coxsackie, NY · Cert 7018

National charter · 8 branches

Q1 2026

$517.1MAssets
$360.1MLoans
$457.7MDeposits
$44.0MEquity
Loan mix
97%RE $350.2M2%C&I $6.1M1%Consumer $3.9MQ1 2025Q1 2026
Deposit mix
75%Interest-bearing $345.5M25%Noninterest $112.2MQ1 2025Q1 2026

NIM

4.07%Q1 ’244.16%Q1 ’254.22%Q1 ’26-3%+9%

Non-interest income vs. expense

2.38%Q1 ’242.45%Q1 ’253.37%Q1 ’26+1%+45%

Market Position · Albany-Schenectady-Troy, NY · 2025 SOD (annual) · 0.4% share · #19 of 20 inst. · $0.1B of $30.3B

9.0% Greene
0.5% Albany
5.8% Schoharie

Executive Summary

  • Earnings: ROA of -0.33%, down 53 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.49% of loans (+15 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.26%, up 54 bps from a year ago.
  • Funding: loans stand at 78.67% of deposits as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.33%-53 bps YoY

Net Interest Margin (YTD, annualized)

2.59%+22 bps YoY

Efficiency Ratio (YTD, annualized)

117.02%+2,593 bps YoY

Tier 1 Leverage Ratio

9.26%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.22%0.30%0.29%-0.33%-53 bps
Return on Equity2.64%2.83%3.88%3.66%-3.85%-649 bps
Net Interest Margin2.37%2.40%2.46%2.47%2.59%+22 bps
Efficiency Ratio91.09%90.46%89.73%89.76%117.02%+2,593 bps
Non-Interest Burden2.13%2.13%2.17%2.18%3.08%+95 bps
Growth
Asset Growth (YoY)-0.42%-2.35%-4.28%-3.90%-3.23%-281 bps
Loan Growth (YoY)0.19%-1.89%-3.37%-5.60%-6.97%-716 bps
Deposit Growth (YoY)6.16%4.07%2.77%-1.96%-1.07%-723 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.45%0.65%0.36%0.49%+15 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.03%+4 bps
Allowance / Loans1.04%1.06%0.98%1.00%0.99%-6 bps
Allowance Coverage of NPLs3.1x2.4x1.5x2.8x2.0x-1.1x
Capital
Tier 1 Leverage Ratio8.72%8.88%9.12%8.89%9.26%+54 bps
Total Risk-Based Capital17.02%17.52%17.94%18.43%18.50%+149 bps
Equity / Assets7.73%8.08%8.07%8.71%8.51%+79 bps
Liquidity & Funding
Loans / Deposits83.67%84.67%76.95%81.08%78.67%-499 bps
Liquid Assets / Assets2.54%1.86%7.67%5.43%8.32%+577 bps
CRE / Total Capitaln/an/a260%258%256%n/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

National Bank of Coxsackie, The

Coxsackie, NY · Cert 7018 · Peer group: banks under $1B in assets (n=557-606)

National charter · 8 branches

Q1 2026

$517.1MAssets
$360.1MLoans
$457.7MDeposits
$44.0MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 72% of banks under $1B in assets (rank 169 of 604).
  • Widest gap: efficiency ratio trails 96% of banks under $1B in assets (rank 577 of 603).
  • Overall: at or above the peer median on 2 of 10 directional measures.

Return on Assets

-0.33%

Rank 567 of 604

Net Interest Margin

2.59%

Rank 533 of 604

Efficiency Ratio

117.02%

Rank 577 of 603

Equity / Assets

8.51%

Rank 476 of 604

Non-interest income vs. expense

$1.5M$17.3MINCOMEEXPENSE
Unfavorable gap of $15.8M · efficiency ratio beats 4% of banks under $1B in assets
Bank 117.02%Peer median 68.0%Q2 2024Q1 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.33%0.58%1.00%1.47%Beats 6%567 / 604
Return on Equity-3.88%5.38%9.60%13.62%Beats 5%572 / 604
Net Interest Margin2.59%3.01%3.52%4.07%Beats 12%533 / 604
Efficiency Ratio117.02%58.15%68.01%80.27%Beats 4%577 / 603
Asset Quality
Nonperforming Loans / Loans0.49%0.08%0.39%1.12%Beats 45%310 / 558
Net Charge-Offs / Loans0.01%n/a0.00%0.02%Beats 33%374 / 557
Capital
Tier 1 Capital Ratio17.25%11.15%13.69%18.60%Beats 71%174 / 604
Total Risk-Based Capital Ratio18.50%11.56%14.21%19.70%Beats 72%169 / 604
Equity / Assets8.51%8.81%10.34%13.22%Beats 21%476 / 604
Liquidity & Funding
Loans / Deposits78.67%63.31%78.59%92.04%50th pctl283 / 570
Loans / Assets69.63%50.80%66.73%77.27%56th pctl266 / 606
Brokered Deposits / Deposits5.43%n/an/a3.83%Beats 20%458 / 568