GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION

SYRACUSE, NY | Medium | Est. Jan. 1, 1948, midnight | FDIC #30397 | RSSD #451273 | OCC
Latest Report: 2025-12-31

GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in SYRACUSE, NY, established in Jan. 1, 1948, midnight. As of 2025-12-31, the bank reported total assets of $652M and total deposits of $490M. Profitability stands at -0.14% ROA and -0.89% ROE, with a net interest margin of 1.64%. The bank's CET1 capital ratio is 15.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 1.27%. FDIC Certificate #30397.

Assets

$652M

Deposits

$490M

Loans

$573M

Equity

$99M

Profitability

Return on Assets (ROA) -0.14%
Return on Equity (ROE) -0.89%
Net Interest Margin (NIM) 1.64%
Yield on Assets 4.55%
Cost of Funds 3.18%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.27%
NPA Ratio 0.20%
ACL / Loans 0.20%

Capital & Liquidity

CET1 Ratio 15.17%
Tier 1 Capital 15.17%
Total Capital Ratio 15.93%
Leverage Ratio 15.29%
Loan-to-Deposit 116.86%

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