Spencer, NY · Cert 9410 · TSB Services Inc.
National charter · OCC · 10 branches
Q2 2026
Market Position · Binghamton, NY · 2026 SOD (annual) · 12.1% share · #3 of 9 inst. · $0.5B of $4.1B
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 | 0.90% | 0.89% | 0.68% | 0.73% | 0.89% | 0.98% | 1.29% | 1.31% | +58 bps | |
| Return on Equity | 8.65% | 8.49% | 6.43% | 6.86% | 8.31% | 9.22% | 12.54% | 12.59% | +573 bps | |
| Net Interest Margin | 3.57% | 3.62% | 3.79% | 3.91% | 3.94% | 3.81% | 3.85% | 3.89% | -2 bps | |
| Efficiency Ratio | 73.12% | 72.82% | 77.65% | 73.03% | 71.16% | 69.38% | 67.32% | 66.63% | -640 bps | |
| Non-Interest Burden | 2.42% | 2.44% | 2.77% | 2.64% | 2.58% | 2.41% | 2.33% | 2.34% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | -0.52% | -0.09% | -2.39% | 0.86% | 9.04% | 10.49% | 8.77% | +1,116 bps | |
| Loan Growth (YoY) | 3.55% | 1.18% | -0.26% | -1.38% | 1.38% | 1.95% | 2.33% | 5.73% | +710 bps | |
| Deposit Growth (YoY) | 3.59% | 1.96% | 1.24% | -1.24% | 2.84% | 12.39% | 9.11% | 6.92% | +816 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.13% | 2.26% | 2.17% | 0.75% | 0.67% | 0.76% | 0.88% | 1.00% | +25 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.65% | 0.42% | 0.32% | 0.02% | 0.04% | -62 bps | |
| Allowance / Loans | 1.72% | 1.72% | 1.78% | 1.67% | 1.71% | 1.70% | 1.69% | 1.63% | -4 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.8x | 2.2x | 2.6x | 2.2x | 1.9x | 1.6x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.09% | 11.65% | 12.02% | 11.79% | 11.98% | 11.27% | 11.26% | 11.38% | -41 bps | |
| Total Risk-Based Capital | 21.16% | 20.56% | 20.93% | 20.96% | 21.23% | 20.83% | 21.40% | 21.22% | +26 bps | |
| Equity / Assets | 10.96% | 10.63% | 10.57% | 10.68% | 10.96% | 10.46% | 10.09% | 10.63% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.29% | 80.49% | 73.46% | 73.92% | 74.22% | 73.01% | 68.90% | 73.09% | -82 bps | |
| Liquid Assets / Assets | 4.37% | 1.12% | 4.10% | 3.39% | 4.54% | 4.48% | 7.37% | 1.47% | -191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 184.43% | 184.10% | 180.79% | n/a | n/a | |