Carthage Savings and Loan, National Association
Total assets
$312.1M
▲ +1.7% YoY
Deposits
$257.4M
▲ +0.6% YoY
Loans
$235.8M
▲ +4.9% YoY
Offices
4
RIVERBANK FINANCIAL CORP MHC
ROA (annualized)
0.96%
peers 1.24%
ROE (annualized)
6.39%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | +0.6% | +4.0% | -3.4 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.7 pts |
| ROA | 0.96% | 1.24% | -0.3 pts |
| ROE | 6.4% | 11.9% | -5.5 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
Profile
- Established
- 1888
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- RIVERBANK FINANCIAL CORP MHC
- Specialization
- Mortgage Lending Specialization
- Address
- 313 State St, Carthage, NY, 13619
- County
- Jefferson
- Metro area
- Watertown-Fort Drum, NY
- Offices
- 4
- FDIC cert #
- 28942
- RSSD ID
- 900678
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $312.1M | $257.4M | $235.8M | $47.2M | $1.5M | 0.96% | 3.48% | 0.24% |
| Q1 2026 | $308.1M | $254.6M | $234.2M | $46.3M | $645K | 0.84% | 3.42% | 0.13% |
| Q4 2025 | $304.3M | $251.2M | $231.6M | $45.6M | $1.5M | 0.50% | 2.98% | 0.15% |
| Q3 2025 | $306.0M | $254.8M | $228.5M | $43.9M | $1.2M | 0.53% | 2.89% | 0.09% |
| Q2 2025 | $306.9M | $255.8M | $224.8M | $43.4M | $961K | 0.63% | 2.82% | 0.09% |
| Q1 2025 | $308.3M | $256.2M | $224.0M | $42.6M | $447K | 0.59% | 2.75% | 0.05% |
| Q4 2024 | $299.3M | $247.8M | $223.8M | $41.9M | $465K | 0.15% | 2.28% | 0.18% |
| Q3 2024 | $299.8M | $248.6M | $221.1M | $41.3M | $497K | 0.22% | 2.19% | 0.16% |
Loan mix (Q2 2026): real estate $231.2M · commercial $255K · consumer $5.9M · securities $19.1M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.96% | 26th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 62.9% | 51th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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