Geddes Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Geddes Federal Savings and Loan Association of Syracuse, NY against its peer group of 2603 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 | 0.32% | 1.35% | -1.03% | 8th bottom |
| ROAE | 2.16% | 13.33% | -11.17% | 8th bottom |
| Net Interest Margin | 1.81% | 3.93% | -2.12% | 1st bottom |
| Efficiency Ratio | 76.61% | 61.12% | +15.49% | 17th bottom |
| PPNR / Avg Assets | 0.41% | 1.68% | -1.27% | 7th bottom |
| Yield on Earning Assets | 4.44% | 5.67% | -1.23% | 8th bottom |
| Cost of Funds | 3.02% | 1.88% | +1.14% | 5th bottom |
| Net Interest Spread | 1.29% | 3.33% | -2.04% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.94% | -0.58% | 53rd above |
| NPA / Total Assets | 0.30% | 0.70% | -0.40% | 51st above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.19% | 1.28% | -1.09% | 0th bottom |
| ACL / NPLs (Coverage) | 54.80% | 1547.20% | -1492.40% | 12th bottom |
| Texas Ratio | 2.62% | 7.34% | -4.72% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.70% | 12.14% | +2.56% | 85th top |
| Equity / Assets | 14.59% | 11.36% | +3.23% | 87th top |
| TCE / Tangible Assets | 14.59% | 11.08% | +3.51% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 113.42% | 80.64% | +32.78% | 2nd bottom |
| Core Deposit Ratio | 79.48% | 86.85% | -7.37% | 15th bottom |
| Wholesale Funding Ratio | 10.35% | 5.03% | +5.32% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.82% | 6.84% | -1.02% | 61st above |
| Loan Growth (Y/Y) | 3.69% | 7.92% | -4.23% | 40th below |
| Deposit Growth (Y/Y) | 7.26% | 6.29% | +0.97% | 72nd above |
See Geddes Federal Savings and Loan Association's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Geddes Federal Savings and Loan Association, 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 Geddes Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.