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Cross County Savings Bank

$100M-$1B Specialty: Mortgage NY FDIC cert 30260

Designations: ✓ Mutual

Middle Village, NY

6 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 -2.1% year over year ($446.5M on the books).
  • Delinquency rate 2.22%.
  • Return on assets 0.46%.
  • Efficiency ratio 84.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.82% 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) →

Cross County Savings Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 3.0% in tier
  • - Liquidity Overhang: Bottom 23.5% in tier
  • - Efficiency Drag: Bottom 39.1% in tier
  • - ROA 0.86% below tier average
  • - Delinquency Rate 1.30% above tier average
Get updates when Cross County Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $525.4M
-1.2% YoY -2.4% QoQ
+$138.9M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $392.1M
-1.6% YoY -1.7% QoQ
+$133.8M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $446.5M
-2.1% YoY -2.7% QoQ
+$119.8M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 0.46%
+13.2% YoY +13.0% QoQ
-0.86% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
Bottom 11.3% in tier
Net Interest Margin ? 3.94%
+3.7% YoY +1.3% QoQ
-0.05% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 84.66%
-1.4% YoY -1.8% QoQ
+20.18% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
Bottom 9.2% in tier
Delinquency Rate ? 2.22%
+158.1% YoY +98.5% QoQ
+1.30% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
Bottom 10.9% in tier
Loan-to-Deposit Ratio ? 87.82%
+0.6% YoY +1.0% QoQ
+9.87% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
31%
Non-Interest-Bearing Deposit Share ? 19.17%
+3.4% YoY -0.9% QoQ
-2.86% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 1.66%
+157.2% YoY +99.8% QoQ
+0.99% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
Bottom 10.3% in tier
Tier 1 Capital Ratio ? 20.83%
+5.1% YoY +1.1% QoQ
+4.92% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 12.1% in tier
Non-Interest Income / Assets ? 0.12%
+14.3% YoY +108.4% QoQ
-0.44% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
26%

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 19.2%
+0.6pp YoY
-0.2pp QoQ
 -3.0pp 22.1% 22.1% 22.2% 41%
Brokered Deposits 1.1%
-1.2pp YoY
-1.2pp QoQ
 -6.7pp 7.9% 8.0% 8.5% 20%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I n/a n/a 11.6% 11.0% 12.5% n/a
CRE n/a n/a 39.5% 46.2% 41.4% n/a
1-4 Family 73.4%
0.0pp YoY
-0.5pp QoQ
 +40.8pp 32.6% 36.6% 31.3% 95%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 5.1% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 20.8%
+1.0pp YoY
+0.2pp QoQ
 +2.0pp 18.8% 26.1% 19.7% 80%
Leverage Ratio 12.8%
+0.7pp YoY
+0.2pp QoQ
 +0.7pp 12.2% 13.9% 12.6% 74%
Total Capital Ratio 21.5%
+1.0pp YoY
+0.2pp QoQ
 +1.5pp 19.9% 27.2% 20.8% 79%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 63
+1 (+1.6%) YoY
-2 (-3.1%) QoQ
 +4 58 914 482 66%
Assets per Employee ($) $8.3M
-2.8% YoY
+0.7% QoQ
 +$822K $7.5M $14.8M $8.8M 72%
Branch Count 6
0 YoY
0 QoQ
 +1 4 27 18 66%

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 2.2%
+1.4pp YoY
+1.1pp QoQ
 +1.3pp 0.9% 1.3% 1.0% 89%
Allowance Coverage 0.23x
-60.6% YoY
-48.8% QoQ
 -23.92x 24.15x 1.92x 20.23x 2%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 36%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 3.6%
+0.2pp YoY
+0.4pp QoQ
 -8.6pp 12.2% 7.9% 11.6% 10%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 23%
Net Income ($, YTD) $1.2M
+12.4% YoY
— QoQ
 -$1.3M $2.6M $111.2M $40.4M 34%

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 (3)

Flatlined Growth

risk
#17 of 529 • Bottom 3.0% 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: 0.46%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#175 of 742 • Bottom 23.5% 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: 20.83%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 87.82%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#142 of 361 • Bottom 39.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 84.66%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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 (2 metrics)

321
Tier 1 Capital Ratio
capital
Value: 20.83%
Peer Median: 15.91%
#321 of 2643 Top 12.1% in $100M-$1B
568
Total Loans
size
Value: $392.14M
Peer Median: $258.35M
#568 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (4 metrics)

2401
Efficiency Ratio
profitability
Value: 84.66%
Peer Median: 64.48%
#2401 of 2643 Bottom 9.2% in $100M-$1B
2373
Nonperforming Asset Ratio
credit_quality
Value: 1.66%
Peer Median: 0.67%
#2373 of 2643 Bottom 10.3% in $100M-$1B
2347
Delinquency Rate
credit_quality
Value: 2.22%
Peer Median: 0.92%
#2347 of 2633 Bottom 10.9% in $100M-$1B
2345
Return on Assets
profitability
Value: 0.46%
Peer Median: 1.32%
#2345 of 2643 Bottom 11.3% in $100M-$1B
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