Coxsackie, NY · Cert 7018
National charter · 8 branches
Q1 2026
Market Position · Albany-Schenectady-Troy, NY · 2025 SOD (annual) · 0.4% share · #19 of 20 inst. · $0.1B of $30.3B
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.30% | 0.31% | 0.20% | 0.22% | 0.30% | 0.29% | -0.33% | -53 bps | |
| Return on Equity | 4.89% | 4.28% | 4.41% | 2.64% | 2.83% | 3.88% | 3.66% | -3.85% | -649 bps | |
| Net Interest Margin | 2.41% | 2.36% | 2.32% | 2.37% | 2.40% | 2.46% | 2.47% | 2.59% | +22 bps | |
| Efficiency Ratio | 84.68% | 85.92% | 85.51% | 91.09% | 90.46% | 89.73% | 89.76% | 117.02% | +2,593 bps | |
| Non-Interest Burden | 1.99% | 1.98% | 1.94% | 2.13% | 2.13% | 2.17% | 2.18% | 3.08% | +95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.40% | 2.19% | -2.38% | -0.42% | -2.35% | -4.28% | -3.90% | -3.23% | -281 bps | |
| Loan Growth (YoY) | 5.97% | 2.18% | 0.21% | 0.19% | -1.89% | -3.37% | -5.60% | -6.97% | -716 bps | |
| Deposit Growth (YoY) | 7.96% | 3.75% | 6.23% | 6.16% | 4.07% | 2.77% | -1.96% | -1.07% | -723 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.51% | 0.57% | 0.34% | 0.45% | 0.65% | 0.36% | 0.49% | +15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.03% | +4 bps | |
| Allowance / Loans | 1.02% | 1.04% | 1.04% | 1.04% | 1.06% | 0.98% | 1.00% | 0.99% | -6 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.0x | 1.8x | 3.1x | 2.4x | 1.5x | 2.8x | 2.0x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.55% | 8.62% | 8.46% | 8.72% | 8.88% | 9.12% | 8.89% | 9.26% | +54 bps | |
| Total Risk-Based Capital | 16.82% | 16.90% | 17.02% | 17.02% | 17.52% | 17.94% | 18.43% | 18.50% | +149 bps | |
| Equity / Assets | 7.07% | 7.13% | 7.52% | 7.73% | 8.08% | 8.07% | 8.71% | 8.51% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.82% | 81.85% | 84.20% | 83.67% | 84.67% | 76.95% | 81.08% | 78.67% | -499 bps | |
| Liquid Assets / Assets | 1.97% | 5.02% | 1.86% | 2.54% | 1.86% | 7.67% | 5.43% | 8.32% | +577 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 260% | 258% | 256% | n/a | |