Geddes Federal Savings and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.51 percentage points lower than in Q1 2026, at 54.80%. Within New York, Geddes Federal Savings and Loan Association is 90th of 105 on return on assets, 0.32% as of Q2 2026, below the middle of the field. Geddes Federal Savings and Loan Association's return on assets of 0.32% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.94 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.70% |
| Equity capital to assets | 14.59% |
| Tangible equity to tangible assets | 14.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.62% |
| Allowance for credit losses to loans | 0.19% |
| Reserve coverage of non-performing loans | 54.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.32% |
| Return on equity | 2.16% |
| Net interest margin | 1.81% |
| Efficiency ratio | 76.61% |
| Yield on earning assets | 4.44% |
| Cost of funds | 3.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.42% |
| Core deposits to total deposits | 79.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 74.67% |
| Securities to assets | 6.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.89% | 0.03% | 1.63% | 0.27% | 0.00% |
| Q4 2023 | 15.45% | -0.16% | 1.42% | 0.23% | 0.00% |
| Q1 2024 | 15.40% | 0.13% | 1.35% | 0.17% | 0.00% |
| Q2 2024 | 15.06% | 0.01% | 1.31% | 0.15% | 0.00% |
| Q3 2024 | 14.99% | 0.02% | 1.33% | 0.13% | 0.00% |
| Q4 2024 | 15.18% | -0.19% | 1.30% | 0.11% | 0.00% |
| Q1 2025 | 15.31% | 0.07% | 1.42% | 0.10% | 0.00% |
| Q2 2025 | 15.38% | 0.07% | 1.56% | 0.10% | 0.00% |
| Q3 2025 | 15.25% | 0.15% | 1.71% | 0.09% | 0.00% |
| Q4 2025 | 15.29% | -0.14% | 1.55% | 0.24% | 0.04% |
| Q1 2026 | 15.14% | 0.32% | 1.76% | 0.30% | 0.00% |
| Q2 2026 | 14.70% | 0.32% | 1.81% | 0.36% | 0.00% |
Geddes Federal Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Geddes Federal Savings and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Geddes Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30397) · FFIEC NIC profile (RSSD 451273)