Dryden, NY · Cert 7031
National charter · OCC · 3 branches
Q2 2026
Market Position · Ithaca, NY · 2026 SOD (annual) · 3.3% share · #8 of 11 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.95% | 1.68% | 1.43% | 1.81% | 1.48% | -47 bps | |
| Return on Equity | 20.16% | 16.77% | 13.87% | 16.06% | 12.94% | -721 bps | |
| Net Interest Margin | 4.11% | 4.24% | 4.25% | 4.20% | 4.25% | +13 bps | |
| Efficiency Ratio | 43.59% | 42.95% | 50.30% | 45.57% | 50.68% | +709 bps | |
| Non-Interest Burden | 1.70% | 1.72% | 2.05% | 1.80% | 2.05% | +35 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.00% | -1.09% | -1.33% | -1.68% | -4.11% | -10 bps | |
| Loan Growth (YoY) | 9.61% | 9.25% | 9.01% | 8.95% | 7.01% | -260 bps | |
| Deposit Growth (YoY) | -5.87% | -2.60% | -3.80% | -3.34% | -5.83% | +4 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.00% | 1.29% | 1.41% | 0.92% | 0.93% | -7 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.16% | 0.15% | 0.76% | 0.58% | +46 bps | |
| Allowance / Loans | 1.32% | 1.24% | 1.41% | 1.35% | 1.47% | +15 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.0x | 1.0x | 1.5x | 1.6x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.60% | 13.10% | 13.24% | 13.31% | 13.55% | +95 bps | |
| Total Risk-Based Capital | 12.60% | 13.10% | 13.24% | 13.31% | 13.55% | +95 bps | |
| Equity / Assets | 10.17% | 11.00% | 11.47% | 11.05% | 11.85% | +167 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.06% | 51.62% | 55.82% | 54.04% | 56.88% | +682 bps | |
| Liquid Assets / Assets | 12.18% | 15.34% | 9.75% | 13.40% | 10.49% | -169 bps | |
| CRE / Total Capital | n/a | 48.69% | 50.19% | 49.78% | n/a | n/a | |