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Regulatory profile
Oswego, NY · FDIC certificate #57497 · RSSD 729310
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 | $1.5B | $1.2B | $0.9B | 0.94% | 9.64% | 3.38% |
| 2026-03-31 | $1.4B | $1.2B | $0.9B | 0.91% | 9.27% | 3.41% |
| 2025-12-31 | $1.4B | $1.2B | $0.9B | -0.12% | -1.21% | 3.47% |
| 2025-09-30 | $1.5B | $1.2B | $0.9B | 0.46% | 4.75% | 3.49% |
| 2025-06-30 | $1.5B | $1.2B | $0.9B | 0.52% | 5.44% | 3.43% |
| 2025-03-31 | $1.5B | $1.3B | $0.9B | 0.94% | 9.77% | 3.53% |
| 2024-12-31 | $1.5B | $1.2B | $0.9B | 0.37% | 3.80% | 3.21% |
| 2024-09-30 | $1.5B | $1.2B | $0.9B | 0.09% | 0.94% | 3.20% |
| 2024-06-30 | $1.4B | $1.1B | $0.9B | 0.72% | 7.38% | 2.98% |
| 2024-03-31 | $1.4B | $1.2B | $0.9B | 0.69% | 7.23% | 2.95% |
| 2023-12-31 | $1.5B | $1.1B | $0.9B | 0.81% | 8.76% | 3.16% |
| 2023-09-30 | $1.4B | $1.1B | $0.9B | 0.81% | 8.73% | 3.26% |
| 2023-06-30 | $1.4B | $1.1B | $0.9B | 0.82% | 8.98% | 3.23% |
| 2023-03-31 | $1.4B | $1.2B | $0.9B | 0.89% | 9.86% | 3.24% |
| 2022-12-31 | $1.4B | $1.1B | $0.9B | 1.13% | 12.53% | 3.46% |
| 2022-09-30 | $1.4B | $1.2B | $0.9B | 1.08% | 11.92% | 3.39% |
| 2022-06-30 | $1.4B | $1.2B | $0.9B | 1.08% | 11.78% | 3.31% |
| 2022-03-31 | $1.3B | $1.1B | $0.8B | 1.03% | 11.00% | 3.28% |
| 2021-12-31 | $1.3B | $1.1B | $0.8B | 1.13% | 12.49% | 3.42% |
| 2021-09-30 | $1.3B | $1.1B | $0.8B | 1.06% | 11.87% | 3.42% |
| 2021-06-30 | $1.3B | $1.0B | $0.8B | 0.99% | 11.26% | 3.37% |
| 2021-03-31 | $1.3B | $1.1B | $0.9B | 0.87% | 10.10% | 3.12% |
| 2020-12-31 | $1.2B | $1.0B | $0.8B | 0.68% | 8.22% | 3.08% |
| 2020-09-30 | $1.2B | $1.0B | $0.8B | 0.64% | 7.82% | 3.10% |
| 2020-06-30 | $1.2B | $1.0B | $0.8B | 0.67% | 8.14% | 3.09% |
| 2020-03-31 | $1.1B | $0.9B | $0.7B | 0.78% | 9.49% | 3.19% |
| 2019-12-31 | $1.1B | $0.9B | $0.8B | 0.50% | 6.36% | 3.14% |
| 2019-09-30 | $1.1B | $0.9B | $0.7B | 0.41% | 5.25% | 3.10% |
| 2019-06-30 | $1.0B | $0.8B | $0.7B | 0.32% | 4.01% | 3.09% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 2596776 · 2011-07-21 to current
Unmatched RSSD entityRSSD 2596776 · 2001-06-21 to 2011-07-20
Unmatched RSSD entityRSSD 2596776 · 1997-12-31 to 2001-06-20
Unmatched RSSD entityRSSD 2368964 · 1995-11-15 to 1997-12-30
2016-06-01RSSD 3145984 → 729310 · code 1
1994-06-04RSSD 988078 → 729310 · code 50
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.