Cattaraugus, NY · Cert 9406
State charter, Fed member · FED · 1 branch
Q2 2026
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 | 1.13% | 0.84% | 0.99% | 1.27% | 1.12% | 0.82% | 1.15% | 1.10% | -18 bps | |
| Return on Equity | 11.81% | 8.46% | 9.49% | 11.86% | 10.54% | 7.48% | 10.57% | 9.97% | -189 bps | |
| Net Interest Margin | 5.92% | 5.59% | 5.47% | 5.23% | 6.02% | 5.43% | 5.50% | 5.20% | -3 bps | |
| Efficiency Ratio | 76.71% | 83.08% | 80.71% | 75.84% | 78.36% | 84.99% | 77.25% | 78.69% | +285 bps | |
| Non-Interest Burden | 4.46% | 4.59% | 4.35% | 3.90% | 4.64% | 4.57% | 4.18% | 4.03% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.45% | -17.09% | -0.33% | -0.65% | 7.99% | 4.48% | 3.27% | 7.47% | +811 bps | |
| Loan Growth (YoY) | 10.26% | 16.23% | 20.72% | 10.05% | 11.61% | 4.10% | 1.17% | 7.56% | -249 bps | |
| Deposit Growth (YoY) | -14.37% | -20.15% | -1.08% | -1.66% | 7.93% | 4.56% | 2.71% | 7.50% | +916 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.28% | 0.74% | 1.15% | 1.27% | 1.47% | 0.81% | 0.66% | 1.16% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.02% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.32% | 1.26% | 1.22% | 1.25% | 1.21% | 1.25% | 1.25% | 1.22% | -3 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.7x | 1.1x | 1.0x | 0.8x | 1.5x | 1.9x | 1.1x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.53% | 10.85% | 10.73% | 10.08% | 11.95% | 10.59% | 11.19% | 10.32% | +24 bps | |
| Total Risk-Based Capital | 19.08% | 17.89% | 17.89% | 18.51% | 18.42% | 18.49% | 19.00% | 18.48% | -4 bps | |
| Equity / Assets | 10.36% | 11.80% | 9.35% | 11.34% | 10.35% | 12.18% | 9.79% | 11.28% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.01% | 71.31% | 55.04% | 64.74% | 58.96% | 70.99% | 54.22% | 64.78% | +4 bps | |
| Liquid Assets / Assets | 41.69% | 30.60% | 44.14% | 35.05% | 39.60% | 31.31% | 45.05% | 31.86% | -320 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 265% | 247% | n/a | n/a | |