Carthage Savings and Loan, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Carthage Savings and Loan, N.A. of Carthage, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.07% | 1.34% | -0.27% | 37th below |
| ROAE | 7.16% | 13.32% | -6.16% | 22nd bottom |
| Net Interest Margin | 3.47% | 3.93% | -0.46% | 26th below |
| Efficiency Ratio | 59.78% | 61.14% | -1.36% | 55th above |
| PPNR / Avg Assets | 1.36% | 1.68% | -0.32% | 37th below |
| Yield on Earning Assets | 5.17% | 5.67% | -0.50% | 30th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.88% | -0.06% | 49th below |
| Net Interest Spread | 3.19% | 3.32% | -0.13% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.94% | -0.62% | 56th above |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 56th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.64% | 1.28% | -0.64% | 5th bottom |
| ACL / NPLs (Coverage) | 200.92% | 1539.11% | -1338.19% | 48th below |
| Texas Ratio | 1.55% | 7.33% | -5.78% | 67th above |
| Provision / NCO | 1000.00% | 1395.67% | -395.67% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.26% | 19.50% | +5.76% | 89th top |
| Tier 1 Ratio | 25.26% | 19.53% | +5.73% | 89th top |
| Total Capital Ratio | 26.25% | 20.62% | +5.63% | 89th top |
| Leverage Ratio | 12.86% | 12.14% | +0.72% | 74th above |
| Equity / Assets | 15.12% | 11.37% | +3.75% | 89th top |
| TCE / Tangible Assets | 15.12% | 11.09% | +4.03% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.21% | 80.63% | +11.58% | 24th bottom |
| Core Deposit Ratio | 83.26% | 86.86% | -3.60% | 25th below |
| Wholesale Funding Ratio | 1.07% | 5.03% | -3.96% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.70% | 6.85% | -5.15% | 30th below |
| Loan Growth (Y/Y) | 4.92% | 7.90% | -2.98% | 47th below |
| Deposit Growth (Y/Y) | 0.60% | 6.29% | -5.69% | 27th below |
See Carthage Savings and Loan, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Carthage Savings and Loan, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Carthage Savings and Loan, N.A. profile, how to read a UBPR, or how this data updates.