Geddes Federal Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Geddes Federal Savings and Loan Association is an FDIC-insured savings institution headquartered in Syracuse, NY, supervised by the OCC, with $685.7M in total assets at Q2 2026, up 5.8% from Q2 2025, the 60th largest of 105 banks headquartered in New York. It was established in 1948 and holds FDIC certificate 30397. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.70% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30397
- Headquarters
- Syracuse, NY
- Established
- 1948
- Total assets, Q2 2026
- $685.7M
- Assets vs Q2 2025
- +5.8%
- Tier 1 leverage ratio, Q2 2026
- 14.70%
- Domestic offices
- 1 · Geddes Federal Savings and Loan Association branches FDIC institution directory, current count
- Routing number
- 221371741
- Safety and soundness
- Is Geddes Federal Savings and Loan Association safe?
- Latest call report
- Q2 2026, FFIEC 041 · Geddes Federal Savings and Loan Association Q3 2026 call report, filed October 21, 2026 (preliminary)
- Asset rank in state
- 60th of 105 in New York
Problem loans are rising at Geddes Federal Savings and Loan Association. Its balance sheet stood at $686 million at June 30, 2026, up 5.8% from a year earlier; it is based in Syracuse, New York. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.44% of loans from 0.09% a year earlier. It earns about $0.32 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 1.81 cents of net interest income on every dollar of earning assets, about half the median of 3.96 cents for banks its size.
Deposits are coming in faster than loans: over the year loans rose 3.7% and deposits rose 7.3%. Funding is the softer spot: it pays an average of 3.02% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Geddes Federal Savings and Loan Association reported a return on assets of 0.32%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 2.52%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Geddes Federal Savings and Loan Association is the 60th largest of the 105 banks headquartered in New York. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $685.7M, loans fell 0.1% and deposits rose 2.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 97.3% of total loans, followed by all other loans at 2.4%. Its one office in the FDIC Summary of Deposits is in Syracuse, NY. Judged on its Q2 2026 call report, Geddes Federal Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2208 W Genesee St, Syracuse, NY 13219
- County
- Onondaga
- Metro Area
- Syracuse, NY
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1948
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $512.0M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $680.6M
- Average total loans
- $579.8M
- Average interest-bearing deposits
- $483.6M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30397
- Fed RSSD
- 451273
- Website
- www.geddesfederal.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Geddes Federal Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Geddes Federal Savings and Loan Association's total assets ranged from $633.9M (Q3 2023) to $685.7M (Q2 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$685.7M total assets against $648.0M; $585.7M total liabilities against $549.0M.
$579.6M net loans and leases against $559.0M; $512.0M total deposits against $477.4M.
$45.4M securities against $46.3M; $44.0M cash and balances due against $27.5M.
$7.4M total interest income against $6.8M; $4.4M total interest expense against $4.4M.
$3.0M net interest income against $2.4M.
$31K total noninterest income against $24K; $2.3M total noninterest expense against $2.2M.
$49K provision for credit losses against $104K.
$538K net income against $116K.
0.32% return on assets against 0.07%; 1.81% net interest margin against 1.56%.
14.70% tier 1 leverage ratio against 15.38%.
Inside the full Geddes Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Geddes Federal Savings and Loan Association rankings
Its closest position to the top of a national ranking is 1,385 of 4,196, for total assets; its furthest is 3,392 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.19% (Q4 2024) to 0.32% (Q1 2026) and its net interest margin ran from 1.30% (Q4 2024) to 1.81% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.70% | 0.32% | 0.44% | 2.52% | 1.81% |
| Q1 2026 | 15.14% | 0.32% | 0.41% | 2.37% | 1.76% |
| Q4 2025 | 15.29% | -0.14% | 0.25% | 1.42% | 1.55% |
| Q3 2025 | 15.25% | 0.15% | 0.12% | 0.67% | 1.71% |
| Q2 2025 | 15.38% | 0.07% | 0.09% | 0.48% | 1.56% |
| Q1 2025 | 15.31% | 0.07% | 0.10% | 0.53% | 1.42% |
| Q4 2024 | 15.18% | -0.19% | 0.09% | 0.62% | 1.30% |
| Q3 2024 | 14.99% | 0.02% | 0.12% | 0.74% | 1.33% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Geddes Federal Savings and Loan Association (main office) | Syracuse , NY | 13219 | $512.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC (former OTS))
- June 8, 2011, OCC (former OTS): Termination of Cease and Desist: Geddes Federal Savings & Loan Association
- June 1, 2010, OCC (former OTS): Cease and Desist: Geddes Federal Savings & Loan Association
- Period: Most recent institution action June 8, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 99 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), 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 Geddes Federal Savings and Loan Association
What are Geddes Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Geddes Federal Savings and Loan Association reported total assets of $685.7 million in its FFIEC call report.
Where is Geddes Federal Savings and Loan Association headquartered?
It is headquartered in Syracuse, NY, United States.
When was Geddes Federal Savings and Loan Association founded?
It was established in 1948, per the FDIC institution directory.
Is Geddes Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30397). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Geddes Federal Savings and Loan Association?
Geddes Federal Savings and Loan Association's primary federal regulator is the OCC.
How many branches does Geddes Federal Savings and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Geddes Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 2.52% 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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