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
Unfavorable gap of $15.8M · efficiency ratio beats 4% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 2.59% | 3.01% | 3.52% | 4.07% | Beats 12% | 533 / 604 | | |
| Efficiency Ratio | 117.02% | 58.15% | 68.01% | 80.27% | Beats 4% | 577 / 603 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.08% | 0.39% | 1.12% | Beats 45% | 310 / 558 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 33% | 374 / 557 | | |
| Capital |
| Tier 1 Capital Ratio | 17.25% | 11.15% | 13.69% | 18.60% | Beats 71% | 174 / 604 | | |
| Total Risk-Based Capital Ratio | 18.50% | 11.56% | 14.21% | 19.70% | Beats 72% | 169 / 604 | | |
| Equity / Assets | 8.51% | 8.81% | 10.34% | 13.22% | Beats 21% | 476 / 604 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.67% | 63.31% | 78.59% | 92.04% | 50th pctl | 283 / 570 | | |
| Loans / Assets | 69.63% | 50.80% | 66.73% | 77.27% | 56th pctl | 266 / 606 | | |
| Brokered Deposits / Deposits | 5.43% | n/a | n/a | 3.83% | Beats 20% | 458 / 568 | | |