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 (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 | 0.86% | 1.29% | 1.35% | 1.61% | 1.90% | 2.25% | 2.01% | 2.70% | +108 bps | |
| Return on Equity | 8.19% | 11.38% | 11.39% | 12.61% | 13.89% | 15.67% | 13.74% | 18.05% | +544 bps | |
| Net Interest Margin | 1.08% | 1.48% | 1.75% | 2.07% | 2.38% | 2.62% | 2.60% | 3.35% | +128 bps | |
| Efficiency Ratio | 6.73% | 4.27% | 4.30% | 3.24% | 3.08% | 2.44% | 2.73% | 1.78% | -146 bps | |
| Non-Interest Burden | 0.07% | 0.06% | 0.08% | 0.07% | 0.07% | 0.06% | 0.07% | 0.06% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.44% | -0.26% | 2.85% | 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 | n/a | n/a | n/a |
| Deposit Growth (YoY) | 12.54% | 9.26% | -1.71% | -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 | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.25% | 12.68% | 13.33% | 13.64% | 13.83% | 14.56% | 14.89% | 15.23% | +158 bps | |
| Total Risk-Based Capital | 12.25% | 12.68% | 13.33% | 13.64% | 13.83% | 14.56% | 14.89% | 15.23% | +158 bps | |
| Equity / Assets | 11.22% | 11.41% | 12.22% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 5.58% | 5.86% | 5.63% | 5.79% | 3.25% | 5.78% | 4.15% | 4.24% | -154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |