Alden, NY · Cert 9831
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 0.6% share · #10 of 20 inst. · $0.4B of $67.0B
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 | 1.27% | 1.35% | 1.02% | 1.12% | 1.26% | 1.15% | 0.97% | 1.15% | +3 bps | |
| Return on Equity | 8.74% | 9.21% | 6.86% | 7.53% | 8.41% | 7.70% | 6.40% | 7.63% | +9 bps | |
| Net Interest Margin | 4.06% | 4.11% | 4.05% | 3.99% | 4.09% | 4.08% | 4.01% | 4.15% | +16 bps | |
| Efficiency Ratio | 65.74% | 64.02% | 70.96% | 66.76% | 64.09% | 66.76% | 68.32% | 65.20% | -155 bps | |
| Non-Interest Burden | 2.54% | 2.49% | 2.78% | 2.56% | 2.52% | 2.64% | 2.65% | 2.60% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.17% | 0.93% | 5.41% | 5.38% | 5.62% | 6.76% | 2.55% | 4.75% | -63 bps | |
| Loan Growth (YoY) | -2.64% | -1.39% | 1.64% | 3.69% | 9.37% | 7.38% | 5.17% | 5.63% | +194 bps | |
| Deposit Growth (YoY) | 2.00% | -0.08% | 5.19% | 4.83% | 5.38% | 6.74% | 2.00% | 4.69% | -14 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.50% | 1.25% | 1.00% | 1.17% | 1.06% | 1.65% | 2.55% | 2.63% | +146 bps | |
| Net Charge-Offs / Loans | 0.55% | 0.49% | 0.13% | 0.26% | 0.18% | 0.29% | 0.03% | 0.25% | -1 bps | |
| Allowance / Loans | 1.18% | 1.32% | 1.26% | 1.18% | 1.14% | 1.09% | 1.15% | 1.02% | -17 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.1x | 1.3x | 1.0x | 1.1x | 0.7x | 0.5x | 0.4x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.02% | 15.19% | 15.48% | 14.97% | 15.09% | 14.99% | 15.24% | 15.18% | +21 bps | |
| Total Risk-Based Capital | 24.35% | 24.59% | 23.63% | 23.37% | 24.07% | 23.85% | 24.18% | 23.65% | +28 bps | |
| Equity / Assets | 14.85% | 15.14% | 14.64% | 14.88% | 15.05% | 15.14% | 15.07% | 14.93% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.61% | 79.04% | 75.91% | 76.98% | 79.52% | 79.51% | 78.26% | 77.67% | +69 bps | |
| Liquid Assets / Assets | 23.60% | 19.49% | 22.32% | 20.57% | 19.29% | 18.38% | 19.77% | 19.00% | -156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 177.37% | 184.48% | 178.69% | n/a | n/a | |