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Carthage Savings And Loan, National Association
Carthage, NY · FDIC Certificate #28942 · Chartered 01/0
Total assets
$312.07M
Total deposits
$257.37M
Total equity
$47.17M
Net loans
$235.80M
Branches (offices)
3
Net income (YTD)
$1.48M
Rank: #2,408 of 4,213 U.S. banks by assets · #87 of 115 in New York. Assets changed 1.7% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 6.39% |
| Net interest margin (YTD) | 3.48% |
| Equity to assets | 15.12% |
| Tier 1 leverage ratio | 12.86% |
| Uninsured deposits (share of deposits) | 17.4% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 91.6% |
| Real estate loans (share of loans) | 98.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $231.17M | 98.0% | |
| Commercial & industrial | $255.00K | 0.1% | |
| Consumer / individual | $5.90M | 2.5% | |
| Construction & development | $4.50M | 1.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $290.33M | $242.72M | $1.10M | $39.07M |
| Jun 2023 | $304.57M | $258.88M | $552.00K | $38.67M |
| Jun 2024 | $301.40M | $251.00M | $272.00K | $40.30M |
| Jun 2025 | $306.86M | $255.84M | $961.00K | $43.38M |
| Jun 2026 | $312.07M | $257.37M | $1.48M | $47.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $257.37M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $257.37M.
Similar-sized banks
The Union Bank ($312.17M) · Goppert Financial Bank ($312.04M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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