Groton, NY · Cert 7085
National charter · OCC · 2 branches
Q2 2026
Market Position · Ithaca, NY · 2026 SOD (annual) · 4.0% share · #5 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | -0.12% | 1.24% | 1.18% | 1.33% | 1.30% | 1.29% | 1.30% | +12 bps | |
| Return on Equity | -4.97% | -1.03% | 10.42% | 9.71% | 10.63% | 10.25% | 9.78% | 9.77% | +6 bps | |
| Net Interest Margin | 3.57% | 3.68% | 4.12% | 4.16% | 4.25% | 4.20% | 4.20% | 4.18% | +2 bps | |
| Efficiency Ratio | 74.27% | 72.69% | 67.83% | 67.51% | 65.59% | 65.65% | 64.11% | 65.41% | -210 bps | |
| Non-Interest Burden | 2.54% | 2.56% | 2.66% | 2.68% | 2.64% | 2.62% | 2.56% | 2.60% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.48% | -1.12% | 2.83% | -0.04% | 2.35% | 1.60% | 1.71% | 3.33% | +337 bps | |
| Loan Growth (YoY) | 3.09% | 5.01% | 4.82% | 4.68% | 5.21% | 6.59% | 4.66% | 3.80% | -88 bps | |
| Deposit Growth (YoY) | -9.63% | -1.21% | 2.47% | 0.87% | 2.70% | -0.45% | 0.43% | 2.18% | +131 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.25% | 1.46% | 1.28% | 1.19% | 1.76% | 1.79% | 1.54% | 1.62% | +43 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | -0.07% | 0.16% | 0.09% | 0.09% | -0.01% | 0.08% | -8 bps | |
| Allowance / Loans | 1.43% | 1.34% | 1.33% | 1.28% | 1.24% | 1.26% | 1.32% | 1.30% | +2 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.9x | 1.0x | 1.1x | 0.7x | 0.7x | 0.9x | 0.8x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.48% | 14.27% | 14.31% | 14.29% | 14.90% | 14.73% | 14.75% | 14.58% | +29 bps | |
| Total Risk-Based Capital | 14.48% | 14.27% | 14.31% | 14.29% | 14.90% | 14.73% | 14.75% | 14.58% | +29 bps | |
| Equity / Assets | 12.79% | 11.87% | 12.01% | 12.66% | 13.49% | 13.48% | 12.92% | 13.50% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.37% | 57.39% | 55.09% | 59.50% | 59.80% | 61.45% | 57.41% | 60.44% | +94 bps | |
| Liquid Assets / Assets | 3.17% | 6.01% | 10.41% | 4.78% | 5.07% | 3.46% | 7.31% | 3.31% | -147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 52.90% | 54.75% | 53.64% | n/a | n/a | |