CARTHAGE SAVINGS AND LOAN, NATIONAL ASSOCIATION

CARTHAGE, NY | Small | Est. Jan. 1, 1888, midnight | FDIC #28942 | RSSD #900678 | OCC
Latest Report: 2025-12-31

CARTHAGE SAVINGS AND LOAN, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in CARTHAGE, NY, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $304M and total deposits of $251M. Profitability stands at 0.42% ROA and 2.89% ROE, with a net interest margin of 3.08%. The bank's CET1 capital ratio is 24.97%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 0.97%. FDIC Certificate #28942.

Assets

$304M

Deposits

$251M

Loans

$233M

Equity

$46M

Profitability

Return on Assets (ROA) 0.42%
Return on Equity (ROE) 2.89%
Net Interest Margin (NIM) 3.08%
Yield on Assets 4.95%
Cost of Funds 2.04%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.97%
NPA Ratio 0.15%
ACL / Loans 0.63%

Capital & Liquidity

CET1 Ratio 24.97%
Tier 1 Capital 24.97%
Total Capital Ratio 25.96%
Leverage Ratio 12.59%
Loan-to-Deposit 92.79%

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