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Regulatory profile
Rochester, NY · FDIC certificate #659 · RSSD 601416
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 | $6.3B | $5.3B | $4.7B | 1.42% | 13.29% | 3.82% |
| 2026-03-31 | $6.3B | $5.3B | $4.6B | 1.42% | 13.32% | 3.79% |
| 2025-12-31 | $6.2B | $5.3B | $4.6B | 1.28% | 12.58% | 3.68% |
| 2025-09-30 | $6.3B | $5.4B | $4.5B | 1.26% | 12.52% | 3.63% |
| 2025-06-30 | $6.1B | $5.2B | $4.5B | 1.20% | 12.05% | 3.56% |
| 2025-03-31 | $6.3B | $5.4B | $4.5B | 1.18% | 12.05% | 3.47% |
| 2024-12-31 | $6.1B | $5.2B | $4.4B | -0.50% | -5.91% | 3.06% |
| 2024-09-30 | $6.1B | $5.3B | $4.4B | 0.73% | 8.91% | 3.04% |
| 2024-06-30 | $6.1B | $5.2B | $4.4B | 0.63% | 7.92% | 3.03% |
| 2024-03-31 | $6.3B | $5.4B | $4.4B | 0.19% | 2.44% | 2.97% |
| 2023-12-31 | $6.1B | $5.2B | $4.4B | 0.88% | 11.79% | 3.16% |
| 2023-09-30 | $6.1B | $5.3B | $4.4B | 0.94% | 12.76% | 3.21% |
| 2023-06-30 | $6.1B | $5.1B | $4.3B | 0.93% | 12.49% | 3.23% |
| 2023-03-31 | $5.9B | $5.2B | $4.2B | 0.87% | 11.57% | 3.25% |
| 2022-12-31 | $5.8B | $5.0B | $4.0B | 1.07% | 12.97% | 3.38% |
| 2022-09-30 | $5.6B | $4.9B | $3.8B | 1.11% | 13.17% | 3.36% |
| 2022-06-30 | $5.5B | $4.8B | $3.7B | 1.16% | 13.27% | 3.29% |
| 2022-03-31 | $5.6B | $5.0B | $3.7B | 1.11% | 12.37% | 3.19% |
| 2021-12-31 | $5.5B | $4.9B | $3.6B | 1.54% | 16.40% | 3.26% |
| 2021-09-30 | $5.6B | $5.0B | $3.6B | 1.55% | 16.53% | 3.23% |
| 2021-06-30 | $5.3B | $4.7B | $3.6B | 1.65% | 17.45% | 3.28% |
| 2021-03-31 | $5.3B | $4.7B | $3.6B | 1.69% | 17.91% | 3.32% |
| 2020-12-31 | $4.9B | $4.3B | $3.5B | 0.91% | 9.33% | 3.33% |
| 2020-09-30 | $4.9B | $4.4B | $3.5B | 0.81% | 8.29% | 3.31% |
| 2020-06-30 | $4.6B | $4.0B | $3.4B | 0.66% | 6.64% | 3.34% |
| 2020-03-31 | $4.4B | $3.8B | $3.2B | 0.28% | 2.78% | 3.35% |
| 2019-12-31 | $4.3B | $3.6B | $3.2B | 1.25% | 12.72% | 3.36% |
| 2019-09-30 | $4.3B | $3.6B | $3.1B | 1.24% | 12.67% | 3.35% |
| 2019-06-30 | $4.3B | $3.5B | $3.1B | 1.18% | 12.25% | 3.33% |
| 2019-03-31 | $4.3B | $3.5B | $3.1B | 1.19% | 12.51% | 3.30% |
| 2018-12-31 | $4.3B | $3.4B | $3.1B | 1.11% | 11.86% | 3.27% |
| 2018-09-30 | $4.2B | $3.5B | $3.0B | 1.14% | 12.23% | 3.25% |
| 2018-06-30 | $4.2B | $3.3B | $2.9B | 1.17% | 12.48% | 3.23% |
| 2018-03-31 | $4.1B | $3.4B | $2.8B | 1.04% | 11.18% | 3.22% |
| 2017-12-31 | $4.1B | $3.2B | $2.7B | 0.92% | 10.21% | 3.23% |
| 2017-09-30 | $4.0B | $3.3B | $2.6B | 0.86% | 9.70% | 3.21% |
| 2017-06-30 | $3.9B | $3.1B | $2.5B | 0.84% | 9.62% | 3.20% |
| 2017-03-31 | $3.8B | $3.2B | $2.4B | 0.89% | 10.39% | 3.20% |
| 2016-12-31 | $3.7B | $3.0B | $2.3B | 0.97% | 10.89% | 3.23% |
| 2016-09-30 | $3.7B | $3.1B | $2.3B | 1.00% | 11.12% | 3.21% |
| 2016-06-30 | $3.6B | $2.9B | $2.2B | 1.00% | 11.02% | 3.21% |
| 2016-03-31 | $3.5B | $3.0B | $2.1B | 0.98% | 10.88% | 3.22% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1032464 · 1990-03-29 to current
2005-12-03RSSD 715809 → 601416 · code 1
2005-12-03RSSD 464116 → 601416 · code 1
2005-12-03RSSD 66903 → 601416 · 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.