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Regulatory profile
Elmira, NY · FDIC certificate #597 · RSSD 884303
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 | $2.8B | $2.4B | $2.3B | 1.40% | 13.04% | 3.84% |
| 2026-03-31 | $2.7B | $2.3B | $2.3B | 1.44% | 13.45% | 3.80% |
| 2025-12-31 | $2.7B | $2.3B | $2.2B | 0.60% | 6.61% | 3.42% |
| 2025-09-30 | $2.7B | $2.4B | $2.2B | 0.40% | 4.56% | 3.28% |
| 2025-06-30 | $2.9B | $2.5B | $2.1B | -0.01% | -0.10% | 3.09% |
| 2025-03-31 | $2.8B | $2.4B | $2.1B | 0.88% | 11.33% | 3.03% |
| 2024-12-31 | $2.8B | $2.4B | $2.1B | 0.86% | 12.00% | 2.85% |
| 2024-09-30 | $2.8B | $2.5B | $2.0B | 0.86% | 12.18% | 2.79% |
| 2024-06-30 | $2.8B | $2.4B | $2.0B | 0.88% | 12.84% | 2.77% |
| 2024-03-31 | $2.8B | $2.5B | $2.0B | 1.03% | 15.16% | 2.79% |
| 2023-12-31 | $2.7B | $2.4B | $2.0B | 0.90% | 14.39% | 2.97% |
| 2023-09-30 | $2.7B | $2.5B | $1.9B | 1.02% | 16.69% | 3.02% |
| 2023-06-30 | $2.7B | $2.4B | $1.9B | 0.97% | 15.69% | 3.09% |
| 2023-03-31 | $2.6B | $2.3B | $1.9B | 1.04% | 16.90% | 3.21% |
| 2022-12-31 | $2.6B | $2.3B | $1.8B | 1.10% | 16.10% | 3.15% |
| 2022-09-30 | $2.5B | $2.3B | $1.7B | 1.10% | 15.68% | 3.05% |
| 2022-06-30 | $2.4B | $2.2B | $1.6B | 1.17% | 15.71% | 2.97% |
| 2022-03-31 | $2.5B | $2.3B | $1.5B | 1.08% | 13.78% | 2.87% |
| 2021-12-31 | $2.4B | $2.2B | $1.5B | 1.05% | 12.81% | 2.90% |
| 2021-09-30 | $2.4B | $2.2B | $1.5B | 1.06% | 13.05% | 2.89% |
| 2021-06-30 | $2.4B | $2.1B | $1.5B | 1.08% | 13.24% | 2.85% |
| 2021-03-31 | $2.4B | $2.2B | $1.6B | 1.05% | 13.01% | 2.84% |
| 2020-12-31 | $2.3B | $2.0B | $1.5B | 0.90% | 9.77% | 3.34% |
| 2020-09-30 | $2.2B | $1.9B | $1.5B | 0.90% | 9.60% | 3.40% |
| 2020-06-30 | $2.0B | $1.8B | $1.5B | 0.83% | 8.56% | 3.49% |
| 2020-03-31 | $1.8B | $1.6B | $1.3B | 0.49% | 4.94% | 3.59% |
| 2019-12-31 | $1.8B | $1.6B | $1.3B | 0.85% | 8.91% | 3.69% |
| 2019-09-30 | $1.8B | $1.6B | $1.3B | 0.82% | 8.68% | 3.69% |
| 2019-06-30 | $1.7B | $1.5B | $1.3B | 1.04% | 11.08% | 3.70% |
| 2019-03-31 | $1.8B | $1.6B | $1.3B | 0.96% | 10.47% | 3.69% |
| 2018-12-31 | $1.8B | $1.6B | $1.3B | 1.11% | 13.02% | 3.76% |
| 2018-09-30 | $1.8B | $1.6B | $1.3B | 1.06% | 12.57% | 3.75% |
| 2018-06-30 | $1.7B | $1.5B | $1.3B | 0.80% | 9.50% | 3.77% |
| 2018-03-31 | $1.7B | $1.5B | $1.3B | 1.04% | 12.32% | 3.75% |
| 2017-12-31 | $1.7B | $1.5B | $1.3B | 0.40% | 4.79% | 3.57% |
| 2017-09-30 | $1.7B | $1.5B | $1.3B | 0.71% | 8.52% | 3.53% |
| 2017-06-30 | $1.7B | $1.5B | $1.2B | 0.66% | 7.91% | 3.45% |
| 2017-03-31 | $1.7B | $1.5B | $1.2B | 0.66% | 7.98% | 3.41% |
| 2016-12-31 | $1.7B | $1.5B | $1.2B | 0.59% | 7.09% | 3.37% |
| 2016-09-30 | $1.7B | $1.5B | $1.2B | 0.56% | 6.80% | 3.35% |
| 2016-06-30 | $1.7B | $1.5B | $1.2B | 0.54% | 6.52% | 3.38% |
| 2016-03-31 | $1.6B | $1.4B | $1.2B | 0.69% | 8.34% | 3.43% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1133594 · 1985-06-01 to current
2011-04-09RSSD 2374901 → 884303 · code 1
2009-05-30RSSD 898010 → 884303 · code 1
1995-01-03RSSD 730615 → 884303 · code 1
1994-06-04RSSD 988078 → 884303 · code 50
1974-05-01RSSD 67704 → 884303 · code 1
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.