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 (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 | 1.41% | -0.20% | 2.06% | 1.83% | 1.14% | 0.64% | 1.81% | 1.14% | -69 bps | |
| Return on Equity | 15.67% | -2.07% | 21.84% | 18.52% | 10.78% | 5.68% | 16.06% | 9.95% | -856 bps | |
| Net Interest Margin | 4.34% | 4.38% | 4.07% | 4.19% | 4.30% | 4.29% | 4.20% | 4.27% | +8 bps | |
| Efficiency Ratio | 41.43% | 71.18% | 42.22% | 44.91% | 41.71% | 71.94% | 45.57% | 55.75% | +1,084 bps | |
| Non-Interest Burden | 1.68% | 3.07% | 1.64% | 1.78% | 1.67% | 3.02% | 1.80% | 2.29% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.58% | -2.59% | -6.27% | -4.00% | -1.09% | -1.33% | -1.68% | -4.11% | -10 bps | |
| Loan Growth (YoY) | 16.57% | 11.17% | 9.51% | 9.61% | 9.25% | 9.01% | 8.95% | 7.01% | -260 bps | |
| Deposit Growth (YoY) | -5.72% | -3.56% | -7.91% | -5.87% | -2.60% | -3.80% | -3.34% | -5.83% | +4 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.17% | 0.85% | 0.80% | 1.00% | 1.29% | 1.41% | 0.92% | 0.93% | -7 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.27% | 0.13% | 0.13% | 0.22% | 0.15% | 0.76% | 0.41% | +29 bps | |
| Allowance / Loans | 1.38% | 1.43% | 1.38% | 1.32% | 1.24% | 1.41% | 1.35% | 1.47% | +15 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.7x | 1.7x | 1.3x | 1.0x | 1.0x | 1.5x | 1.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.56% | 12.42% | 12.40% | 12.60% | 13.10% | 13.24% | 13.31% | 13.55% | +95 bps | |
| Total Risk-Based Capital | 12.56% | 12.42% | 12.40% | 12.60% | 13.10% | 13.24% | 13.31% | 13.55% | +95 bps | |
| Equity / Assets | 9.65% | 9.32% | 9.58% | 10.17% | 11.00% | 11.47% | 11.05% | 11.85% | +167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.02% | 49.26% | 47.95% | 50.06% | 51.62% | 55.82% | 54.04% | 56.88% | +682 bps | |
| Liquid Assets / Assets | 10.41% | 10.97% | 13.86% | 12.18% | 15.34% | 9.75% | 13.40% | 10.49% | -169 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 48.69% | 50.19% | 49.78% | n/a | n/a | |