Carthage Savings and Loan, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Carthage Savings and Loan, N.A. is an FDIC-insured commercial bank headquartered in Carthage, NY, established in 1888 (FDIC certificate 28942), and it is supervised by the OCC. At Q2 2026 it reported total assets of $312.1M, up 1.7% from Q2 2025, the 80th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 25.26% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28942
- Headquarters
- Carthage, NY
- Established
- 1888
- Total assets, Q2 2026
- $312.1M
- Assets vs Q2 2025
- +1.7%
- CET1 ratio, Q2 2026
- 25.26%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 221371563
- Latest call report
- Q2 2026, FFIEC 051 · Carthage Savings and Loan, N.A. Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- RIVERBANK FINANCIAL CORPORATION
- Asset rank in state
- 80th of 105 in New York
Carthage Savings and Loan, N.A., based in Carthage, New York, reported $312 million in assets at June 30, 2026, up 1.7% from a year earlier. It holds commercial real estate loans equal to only 12% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also holds common equity equal to 25.26% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.11%).
Earnings jumped: net income for the quarter was $836,000, 63% above the same quarter a year earlier. Over the same year, loans grew 4.9% and deposits grew 0.6%. Profitability lags: it returns 7.2% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Carthage Savings and Loan, N.A. reported a CET1 capital ratio of 25.26%, a return on assets of 1.07%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 1.41%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Carthage Savings and Loan, N.A. is the 80th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $312.1M, loans rose 0.7% and deposits rose 1.1%. 1-4 family residential loans made up 94.4% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 1.9%. The FDIC Summary of Deposits lists 3 offices for it, in Carthage, NY, Watertown, NY and Croghan, NY; its Carthage office books 67% of its branch deposits. On its Q2 2026 call report, Carthage Savings and Loan, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 313 State St, Carthage, NY 13619
- County
- Jefferson
- Metro Area
- Watertown-Fort Drum, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1888
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $257.4M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $312.0M
- Average total loans
- $233.6M
- Average interest-bearing deposits
- $229.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28942
- Fed RSSD
- 900678
- Website
- carthagesavings.com →
- Parent Holding Company
- RIVERBANK FINANCIAL CORPORATION (RSSD 3793901)
- Ultimate Parent
- RIVERBANK FINANCIAL CORPORATION, MHC (RSSD 3793862)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Carthage Savings and Loan, N.A.'s total assets moved between a low of $297.1M (Q3 2023) and a high of $312.1M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$312.1M total assets against $306.9M; $264.9M total liabilities against $263.5M.
$235.8M net loans and leases against $224.8M; $257.4M total deposits against $255.8M.
$19.1M securities against $30.1M; $20.7M cash and balances due against $18.8M.
$3.6M total interest income against $3.3M; $1.2M total interest expense against $1.3M.
$2.4M net interest income against $1.9M.
$252K total noninterest income against $177K; $1.6M total noninterest expense against $1.5M.
$30K provision for credit losses against $18K.
$836K net income against $514K.
1.07% return on assets against 0.67%; 3.47% net interest margin against 2.83%.
25.26% CET1 capital ratio against 25.35%; 12.86% tier 1 leverage ratio against 12.36%.
Inside the full Carthage Savings and Loan, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCarthage Savings and Loan, N.A. rankings
Its closest position to the top of a national ranking is 144 of 2,134, for CET1 ratio; its furthest is 2,503 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.04% (Q4 2024) to 1.07% (Q2 2026) and its net interest margin ran from 2.28% (Q3 2024) to 3.47% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.26% | 1.07% | 0.32% | 1.41% | 3.47% |
| Q1 2026 | 25.01% | 0.84% | 0.18% | 0.75% | 3.36% |
| Q4 2025 | 24.97% | 0.42% | 0.20% | 0.28% | 3.17% |
| Q3 2025 | 25.23% | 0.33% | 0.12% | 0.34% | 2.97% |
| Q2 2025 | 25.35% | 0.67% | 0.06% | 0.51% | 2.83% |
| Q1 2025 | 25.24% | 0.59% | 0.03% | 0.37% | 2.70% |
| Q4 2024 | 24.91% | -0.04% | 0.24% | 0.88% | 2.51% |
| Q3 2024 | 25.30% | 0.30% | 0.19% | 0.68% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Carthage Savings and Loan, N.A. (main office) | Carthage , NY | 13619 | $171.2M |
| Watertown Branch | Watertown , NY | 13601 | $70.5M |
| Croghan Branch | Croghan , NY | 13327 | $15.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- August 5, 1991, OCC (former OTS): Cease and Desist: Carthage Federal SAvings and Loan Association
- Period: Most recent institution action August 5, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 122 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 202 applications, 164 loans originated, $26.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Carthage Savings and Loan, N.A.
What are Carthage Savings and Loan, N.A.'s total assets?
As of the Q2 2026 filing, Carthage Savings and Loan, N.A. reported total assets of $312.1 million in its FFIEC call report.
Where is Carthage Savings and Loan, N.A. headquartered?
It is headquartered in Carthage, NY, United States.
When was Carthage Savings and Loan, N.A. founded?
It was established in 1888, per the FDIC institution directory.
Is Carthage Savings and Loan, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28942). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Carthage Savings and Loan, N.A.?
Carthage Savings and Loan, N.A.'s primary federal regulator is the OCC.
What is Carthage Savings and Loan, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.26% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Carthage Savings and Loan, N.A. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Carthage Savings and Loan, N.A.'s Texas Ratio?
Its Texas Ratio is 1.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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