Banks GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION

GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION

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

GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION is an 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%. CET1 capital ratio: 15.17%, well above regulatory minimums. NPL ratio: 0.22% · Texas Ratio: 1.27%.

Assets
$652M
Deposits
$490M
Loans
$573M
Equity
$99M

Profitability

Return on Assets (ROA)-0.14%
Return on Equity (ROE)-0.89%
Net Interest Margin1.64%
Yield on Assets4.55%
Cost of Funds3.18%

Asset Quality

NPL Ratio0.22%
Net Charge-Off Ratio0.01%
Texas Ratio1.27%
NPA Ratio0.20%
ACL / Loans0.20%

Capital & Liquidity

CET1 Ratio15.17%
Tier 1 Capital15.17%
Total Capital Ratio15.93%
Leverage Ratio15.29%
Loan-to-Deposit116.86%

This is just the summary.

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