Watertown, NY · Cert 7274
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Watertown-Fort Drum, NY · 2026 SOD (annual) · 4.6% share · #5 of 8 inst. · $0.1B of $2.2B
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 | 1.49% | 1.62% | 1.78% | 2.01% | 2.37% | +88 bps | |
| Return on Equity | 12.05% | 12.72% | 13.54% | 13.74% | 15.91% | +386 bps | |
| Net Interest Margin | 1.91% | 2.04% | 2.20% | 2.60% | 2.95% | +104 bps | |
| Efficiency Ratio | 3.72% | 3.47% | 3.17% | 2.73% | 2.19% | -153 bps | |
| Non-Interest Burden | 0.07% | 0.07% | 0.07% | 0.07% | 0.06% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.25% | 1.58% | 2.84% | 2.79% | 1.19% | -106 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | -7.63% | -10.44% | -9.53% | -1.78% | -5.98% | +165 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.64% | 13.83% | 14.56% | 14.89% | 15.23% | +158 bps | |
| Total Risk-Based Capital | 13.64% | 13.83% | 14.56% | 14.89% | 15.23% | +158 bps | |
| Equity / Assets | 13.37% | 14.03% | 14.72% | 14.52% | 15.38% | +202 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 5.79% | 3.25% | 5.78% | 4.15% | 4.24% | -154 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |