Carthage Savings and Loan, National Association: how it compares with its peers
Against 34 NY banks with half to twice its assets, Carthage Savings and Loan, National Association's strongest measure in Q2 2026 is assets per employee ($8.4M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (3.48% vs. 3.75%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.96% | 0.70% | Middle third Ahead of 65% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.48% | 3.75% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.40% | 71.79% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $7.1M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.62% | 87.82% | Context |
What it means for lending operations
Its efficiency ratio of 63.40% is better than the 71.79% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Millbrook Millbrook, NY · $312M
- Seneca Savings Bank, National Association Baldwinsville, NY · $312M
- American Community Bank Glen Cove, NY · $307M
- Global Bank New York, NY · $304M
- Abacus Federal Savings Bank New York, NY · $321M
- The Upstate National Bank Ogdensburg, NY · $295M
Questions about Carthage Savings and Loan, National Association
How big is Carthage Savings and Loan, National Association?
Carthage Savings and Loan, National Association, established in 1888, is headquartered in Carthage, NY. It reported $312M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Carthage Savings and Loan, National Association's return on assets?
0.96% annualized in Q2 2026, against a 0.70% median for 34 NY banks with half to twice its assets, ahead of 65% of them.
What is Carthage Savings and Loan, National Association's efficiency ratio?
63.40% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 71.79%, and lower is better.
Is Carthage Savings and Loan, National Association growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits grew 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.