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Carthage Savings and Loan, National Association

$100M-$1B Specialty: Mortgage NY FDIC cert 28942

Carthage, NY

4 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
  • Deposits +0.6% year over year ($257.4M on the books).
  • Delinquency rate 0.32%.
  • Return on assets 0.96%.
  • Efficiency ratio 63.40% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.62% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY
View $100M-$1B leaderboard (NY) →

Carthage Savings and Loan, National Association has 2 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 1.08% below tier average
  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 10.2% in tier
  • - Liquidity Strain: Bottom 21.6% in tier
  • - Credit Risk Growth: Bottom 29.5% in tier
  • - Credit Quality Pressure: Bottom 37.8% in tier
  • - Flatlined Growth: Bottom 49.9% in tier
  • - ROA 0.36% below tier average
  • - Net Interest Margin 0.51% below tier average
Get updates when Carthage Savings and Loan, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $312.1M
+1.7% YoY +1.3% QoQ
-$74.5M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
48%
Total Loans ? $235.8M
+4.9% YoY +0.7% QoQ
-$22.5M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
56%
Total Deposits ? $257.4M
+0.6% YoY +1.1% QoQ
-$69.4M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 0.96%
+52.5% YoY +14.1% QoQ
-0.36% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
31%
Net Interest Margin ? 3.48%
+23.5% YoY +1.7% QoQ
-0.51% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
27%
Efficiency Ratio ? 63.40%
-10.9% YoY -5.6% QoQ
-1.08% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 0.32%
+446.7% YoY +81.2% QoQ
-0.60% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 91.62%
+4.3% YoY -0.4% QoQ
+13.67% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 9.88%
+5.4% YoY +12.2% QoQ
-12.15% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Bottom 10.3% in tier
Nonperforming Asset Ratio ? 0.24%
+174.7% YoY +80.1% QoQ
-0.43% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 25.26%
-0.4% YoY +1.0% QoQ
+9.35% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 6.6% in tier
Non-Interest Income / Assets ? 0.15%
+18.1% YoY +115.0% QoQ
-0.42% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 9.9%
+0.5pp YoY
+1.1pp QoQ
 -12.3pp 22.1% 22.1% 22.2% 10%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 0.1%
0.0pp YoY
0.0pp QoQ
 -11.4pp 11.6% 11.0% 12.5% 1%
CRE 3.0%
+0.4pp YoY
0.0pp QoQ
 -36.5pp 39.5% 46.2% 41.4% 0%
1-4 Family 95.0%
-0.1pp YoY
-0.1pp QoQ
 +62.4pp 32.6% 36.6% 31.3% 99%
Consumer 2.5%
-0.2pp YoY
0.0pp QoQ
 -1.6pp 4.1% 5.1% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 25.3%
-0.1pp YoY
+0.2pp QoQ
 +6.4pp 18.8% 26.1% 19.7% 89%
Leverage Ratio 12.9%
+0.5pp YoY
+0.1pp QoQ
 +0.7pp 12.2% 13.9% 12.6% 74%
Total Capital Ratio 26.3%
-0.1pp YoY
+0.3pp QoQ
 +6.3pp 19.9% 27.2% 20.8% 89%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 37
-1 (-2.6%) YoY
-2 (-5.1%) QoQ
 -22 58 914 482 37%
Assets per Employee ($) $8.4M
+4.4% YoY
+6.8% QoQ
 +$916K $7.5M $14.8M $8.8M 73%
Branch Count 4
0 YoY
0 QoQ
 -1 4 27 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.3%
+0.3pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 1.3% 1.0% 40%
Allowance Coverage 2.01x
-81.4% YoY
-44.1% QoQ
 -22.14x 24.15x 1.92x 20.23x 48%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 39%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 6.4%
+1.9pp YoY
+0.8pp QoQ
 -5.8pp 12.2% 7.9% 11.6% 18%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 53%
Net Income ($, YTD) $1.5M
+54.1% YoY
— QoQ
 -$1.1M $2.6M $111.2M $40.4M 41%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (5)

Liquidity Overhang

risk
#77 of 742 • Bottom 10.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 25.26%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 91.62%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#150 of 691 • Bottom 21.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.62%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#277 of 936 • Bottom 29.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#476 of 1256 • Bottom 37.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.32%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#265 of 529 • Bottom 49.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.96%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

176
Tier 1 Capital Ratio
capital
Value: 25.26%
Peer Median: 15.91%
#176 of 2643 Top 6.6% in $100M-$1B

Top Weaknesses (2 metrics)

2371
Non-Interest-Bearing Deposit Share
funding
Value: 9.88%
Peer Median: 22.03%
#2371 of 2643 Bottom 10.3% in $100M-$1B
2039
Loan-to-Deposit Ratio
liquidity
Value: 91.62%
Peer Median: 77.95%
#2039 of 2643 Bottom 22.9% in $100M-$1B
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