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Regulatory profile
Saratoga Springs, NY · FDIC certificate #660 · RSSD 645317
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $1.7B | $1.5B | $1.0B | 0.95% | 8.56% | 3.07% |
| 2026-03-31 | $1.8B | $1.5B | $1.0B | 0.76% | 7.06% | 2.86% |
| 2025-12-31 | $1.8B | $1.6B | $1.0B | 0.90% | 8.59% | 2.84% |
| 2025-09-30 | $1.7B | $1.5B | $1.0B | 0.85% | 8.12% | 2.81% |
| 2025-06-30 | $1.6B | $1.4B | $1.0B | 0.74% | 7.13% | 2.76% |
| 2025-03-31 | $1.6B | $1.4B | $1.0B | 0.59% | 5.87% | 2.64% |
| 2024-12-31 | $1.7B | $1.5B | $1.0B | 0.74% | 7.74% | 2.58% |
| 2024-09-30 | $1.6B | $1.4B | $1.0B | 0.77% | 8.09% | 2.58% |
| 2024-06-30 | $1.6B | $1.4B | $1.0B | 0.73% | 7.78% | 2.60% |
| 2024-03-31 | $1.6B | $1.4B | $0.9B | 0.53% | 5.72% | 2.44% |
| 2023-12-31 | $1.6B | $1.4B | $0.9B | 0.84% | 9.99% | 2.74% |
| 2023-09-30 | $1.6B | $1.4B | $0.9B | 0.88% | 10.63% | 2.77% |
| 2023-06-30 | $1.6B | $1.4B | $0.9B | 0.78% | 9.44% | 2.78% |
| 2023-03-31 | $1.6B | $1.4B | $0.9B | 0.61% | 7.54% | 2.77% |
| 2022-12-31 | $1.6B | $1.5B | $0.9B | 1.00% | 12.69% | 2.86% |
| 2022-09-30 | $1.6B | $1.5B | $0.9B | 1.05% | 13.36% | 2.83% |
| 2022-06-30 | $1.7B | $1.5B | $0.8B | 0.93% | 11.50% | 2.68% |
| 2022-03-31 | $1.7B | $1.5B | $0.8B | 0.77% | 9.20% | 2.54% |
| 2021-12-31 | $1.7B | $1.5B | $0.8B | 0.90% | 9.93% | 2.73% |
| 2021-09-30 | $1.6B | $1.4B | $0.8B | 1.04% | 11.37% | 2.76% |
| 2021-06-30 | $1.6B | $1.4B | $0.8B | 1.00% | 10.90% | 2.76% |
| 2021-03-31 | $1.5B | $1.4B | $0.8B | 0.92% | 9.96% | 2.74% |
| 2020-12-31 | $1.5B | $1.3B | $0.8B | 0.61% | 5.96% | 3.03% |
| 2020-09-30 | $1.5B | $1.3B | $0.9B | 0.73% | 6.98% | 3.01% |
| 2020-06-30 | $1.4B | $1.2B | $0.9B | 0.72% | 6.74% | 3.10% |
| 2020-03-31 | $1.2B | $1.1B | $0.8B | 1.02% | 9.28% | 3.24% |
| 2019-12-31 | $1.2B | $1.1B | $0.8B | 1.07% | 9.92% | 3.48% |
| 2019-09-30 | $1.2B | $1.0B | $0.7B | 1.13% | 10.46% | 3.52% |
| 2019-06-30 | $1.2B | $1.0B | $0.7B | 1.11% | 10.35% | 3.51% |
| 2019-03-31 | $1.2B | $1.0B | $0.7B | 0.91% | 8.53% | 3.45% |
| 2018-12-31 | $1.1B | $1.0B | $0.7B | 1.04% | 10.50% | 3.33% |
| 2018-09-30 | $1.2B | $1.0B | $0.7B | 1.08% | 11.07% | 3.23% |
| 2018-06-30 | $1.1B | $1.0B | $0.7B | 0.99% | 10.29% | 3.17% |
| 2018-03-31 | $1.2B | $1.1B | $0.7B | 0.77% | 8.21% | 3.05% |
| 2017-12-31 | $1.2B | $1.1B | $0.7B | 0.66% | 6.75% | 3.04% |
| 2017-09-30 | $1.2B | $1.0B | $0.7B | 0.76% | 7.72% | 3.02% |
| 2017-06-30 | $1.1B | $1.0B | $0.7B | 0.73% | 7.41% | 2.98% |
| 2017-03-31 | $1.2B | $1.0B | $0.7B | 0.58% | 6.03% | 2.91% |
| 2016-12-31 | $1.1B | $1.0B | $0.7B | 0.60% | 5.98% | 2.86% |
| 2016-09-30 | $1.2B | $1.0B | $0.7B | 0.66% | 6.57% | 2.84% |
| 2016-06-30 | $1.1B | $0.9B | $0.7B | 0.68% | 6.75% | 2.83% |
| 2016-03-31 | $1.1B | $1.0B | $0.7B | 0.67% | 6.79% | 2.77% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 3138267 · 2023-06-30 to current
Unmatched RSSD entityRSSD 3138267 · 2020-11-03 to 2023-06-29
Unmatched RSSD entityRSSD 3138267 · 2015-12-10 to 2020-11-02
Unmatched RSSD entityRSSD 3138267 · 2011-12-15 to 2015-12-09
Unmatched RSSD entityRSSD 3138267 · 2009-12-15 to 2011-12-14
Unmatched RSSD entityRSSD 3138267 · 2008-12-31 to 2009-12-14
None matched.
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.