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Geddes Federal Savings And Loan Association
Syracuse, NY · FDIC Certificate #30397 · Chartered 01/0
Total assets
$685.73M
Total deposits
$512.02M
Total equity
$100.06M
Net loans
$579.62M
Branches (offices)
1
Net income (YTD)
$1.06M
Rank: #1,393 of 4,213 U.S. banks by assets · #66 of 115 in New York. Assets changed 5.8% and deposits 7.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.32% |
| Return on equity | 2.13% |
| Net interest margin (YTD) | 1.80% |
| Equity to assets | 14.59% |
| Tier 1 leverage ratio | 14.70% |
| Uninsured deposits (share of deposits) | 12.6% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 113.2% |
| Real estate loans (share of loans) | 97.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $566.70M | 97.8% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $267.00K | 0.0% | |
| Construction & development | $1.27M | 0.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $606.82M | $447.24M | $1.45M | $96.45M |
| Jun 2023 | $616.48M | $433.72M | $880.00K | $99.01M |
| Jun 2024 | $662.29M | $471.24M | $227.00K | $99.02M |
| Jun 2025 | $648.00M | $477.37M | $222.00K | $98.96M |
| Jun 2026 | $685.73M | $512.02M | $1.06M | $100.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $512.02M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $512.02M.
Similar-sized banks
Asian Bank ($685.89M) · Midamerica National Bank ($685.04M)
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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