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Carthage Savings and Loan, National Association

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

Carthage, NY

4 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY
View $100M-$1B leaderboard (NY) →

Carthage Savings and Loan, National Association has 1 strength but faces 8 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

  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 9.7% in tier
  • - Credit Risk Growth: Bottom 17.5% in tier
  • - Liquidity Strain: Bottom 23.6% in tier
  • - Credit Quality Pressure: Bottom 24.6% in tier
  • - Flatlined Growth: Bottom 25.8% in tier
  • - Non-Interest-Bearing Deposit Share 13.21% below tier average
  • - ROA 0.43% 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-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $308.1M
-0.1% YoY +1.2% QoQ
-$78.0M $386.1M
+0.5% YoY
$19.3B
+17.3% YoY
$6.2B
+9.1% YoY
47%
Total Loans ? $234.2M
+4.6% YoY +1.1% QoQ
-$21.5M $255.7M
+1.1% YoY
$8.1B
+14.6% YoY
$3.2B
+10.8% YoY
56%
Total Deposits ? $254.6M
-0.6% YoY +1.4% QoQ
-$73.4M $328.0M
+0.1% YoY
$15.1B
+16.0% YoY
$4.8B
+8.2% YoY
45%
Return on Assets ? 0.84%
+43.2% YoY +67.2% QoQ
-0.43% 1.27%
+12.9% YoY
0.86%
+14.3% YoY
1.23%
+13.4% YoY
28%
Net Interest Margin ? 3.42%
+24.3% YoY +14.9% QoQ
-0.51% 3.93%
+6.0% YoY
3.45%
+7.0% YoY
3.89%
+5.7% YoY
27%
Efficiency Ratio ? 67.19%
-7.7% YoY -12.5% QoQ
+1.90% 65.29%
-4.5% YoY
69.17%
-3.6% YoY
66.95%
-4.1% YoY
39%
Delinquency Rate ? 0.18%
+501.4% YoY -10.4% QoQ
-0.71% 0.89%
+18.8% YoY
1.13%
+6.9% YoY
0.95%
+18.8% YoY
66%
Loan-to-Deposit Ratio ? 92.00%
+5.2% YoY -0.2% QoQ
+15.36% 76.64%
+0.8% YoY
77.98%
+0.4% YoY
76.70%
+0.9% YoY
20%
Non-Interest-Bearing Deposit Share ? 8.81%
-4.7% YoY -10.7% QoQ
-13.21% 22.02%
-1.0% YoY
21.94%
+1.2% YoY
22.01%
-1.2% YoY
Bottom 8.6% in tier
Nonperforming Asset Ratio ? 0.13%
+154.8% YoY -10.5% QoQ
-0.50% 0.64%
+19.7% YoY
0.73%
+4.5% YoY
0.67%
+19.3% YoY
66%
Tier 1 Capital Ratio ? 25.01%
-0.9% YoY +0.1% QoQ
+9.18% 15.83%
+1.5% YoY
24.83%
+10.8% YoY
17.06%
+0.8% YoY
Top 6.5% in tier
Non-Interest Income / Assets ? 0.07%
+1.5% YoY -61.0% QoQ
-0.21% 0.28%
+9.3% YoY
0.21%
+9.1% YoY
0.32%
+4.1% YoY
32%

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
#73 of 739 • Bottom 9.7% 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: 25.01%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 92.00%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#171 of 973 • Bottom 17.5% in tier

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

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ

Liquidity Strain

risk
#153 of 643 • Bottom 23.6% 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: 92.00%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#323 of 1308 • Bottom 24.6% in tier

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

Why this signature
Delinquency Rate: 0.18%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

Flatlined Growth

risk
#133 of 512 • Bottom 25.8% 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: 0.84%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

175
Tier 1 Capital Ratio
capital
Value: 25.01%
Peer Median: 15.83%
#175 of 2664 Top 6.5% in $100M-$1B

Top Weaknesses (2 metrics)

2436
Non-Interest-Bearing Deposit Share
funding
Value: 8.81%
Peer Median: 22.02%
#2436 of 2664 Bottom 8.6% in $100M-$1B
2122
Loan-to-Deposit Ratio
liquidity
Value: 92.00%
Peer Median: 76.64%
#2122 of 2664 Bottom 20.4% in $100M-$1B
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