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Regulatory profile
Albany, NY · FDIC certificate #20741 · RSSD 237619
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 | $2.3B | $2.0B | $1.9B | 0.74% | 5.89% | 4.10% |
| 2026-03-31 | $2.2B | $1.9B | $1.7B | 1.00% | 7.73% | 3.99% |
| 2025-12-31 | $2.2B | $1.8B | $1.6B | 0.92% | 7.33% | 3.92% |
| 2025-09-30 | $2.2B | $1.9B | $1.6B | 1.00% | 8.08% | 3.90% |
| 2025-06-30 | $2.1B | $1.8B | $1.5B | 1.13% | 8.98% | 3.92% |
| 2025-03-31 | $2.1B | $1.8B | $1.5B | 1.07% | 8.54% | 3.92% |
| 2024-12-31 | $2.0B | $1.6B | $1.4B | 0.73% | 6.18% | 3.09% |
| 2024-09-30 | $2.0B | $1.7B | $1.4B | 0.99% | 8.12% | 3.85% |
| 2024-06-30 | $1.9B | $1.6B | $1.3B | 0.87% | 7.16% | 3.84% |
| 2024-03-31 | $2.0B | $1.7B | $1.3B | 0.95% | 7.98% | 3.84% |
| 2023-12-31 | $1.9B | $1.6B | $1.3B | 0.89% | 7.94% | 3.75% |
| 2023-09-30 | $2.0B | $1.7B | $1.2B | 0.96% | 8.81% | 3.77% |
| 2023-06-30 | $1.9B | $1.6B | $1.1B | 1.11% | 10.16% | 3.88% |
| 2023-03-31 | $1.9B | $1.6B | $1.1B | 1.28% | 11.90% | 4.03% |
| 2022-12-31 | $1.8B | $1.6B | $1.0B | 0.72% | 7.45% | 2.95% |
| 2022-09-30 | $2.1B | $1.8B | $1.0B | 0.53% | 5.59% | 2.63% |
| 2022-06-30 | $2.0B | $1.7B | $1.0B | 0.27% | 2.77% | 2.39% |
| 2022-03-31 | $2.0B | $1.8B | $1.0B | 0.05% | 0.54% | 2.21% |
| 2021-12-31 | $1.8B | $1.6B | $1.0B | 0.29% | 2.95% | 2.49% |
| 2021-09-30 | $2.0B | $1.7B | $1.0B | -0.07% | -0.72% | 2.50% |
| 2021-06-30 | $1.8B | $1.6B | $1.1B | -0.26% | -2.59% | 2.61% |
| 2021-03-31 | $1.8B | $1.6B | $1.1B | 0.31% | 3.01% | 2.70% |
| 2020-12-31 | $1.6B | $1.4B | $1.1B | 0.34% | 3.07% | 3.15% |
| 2020-09-30 | $1.6B | $1.4B | $1.1B | 0.30% | 2.68% | 3.21% |
| 2020-06-30 | $1.5B | $1.3B | $1.1B | 0.29% | 2.49% | 3.40% |
| 2020-03-31 | $1.5B | $1.3B | $1.1B | 0.20% | 1.71% | 3.63% |
| 2019-12-31 | $1.4B | $1.2B | $1.1B | 0.32% | 3.06% | 4.03% |
| 2019-09-30 | $1.4B | $1.3B | $1.1B | 0.07% | 0.69% | 4.09% |
| 2019-06-30 | $1.5B | $1.3B | $1.0B | -0.28% | -3.04% | 4.07% |
| 2019-03-31 | $1.4B | $1.2B | $1.0B | 1.43% | 14.81% | 4.11% |
| 2018-12-31 | $1.3B | $1.1B | $1.0B | 1.29% | 14.33% | 3.94% |
| 2018-09-30 | $1.4B | $1.2B | $1.0B | 1.23% | 13.91% | 3.86% |
| 2018-06-30 | $1.3B | $1.2B | $1.0B | 1.18% | 13.43% | 3.84% |
| 2018-03-31 | $1.3B | $1.2B | $1.0B | 1.07% | 12.46% | 3.78% |
| 2017-12-31 | $1.2B | $1.1B | $1.0B | 0.59% | 6.84% | 3.70% |
| 2017-09-30 | $1.3B | $1.2B | $1.0B | 0.62% | 7.18% | 3.67% |
| 2017-06-30 | $1.1B | $1.0B | $0.9B | 0.55% | 6.17% | 3.66% |
| 2017-03-31 | $1.1B | $1.0B | $0.9B | 0.51% | 5.84% | 3.56% |
| 2016-12-31 | $1.1B | $0.9B | $0.9B | 0.49% | 5.24% | 3.48% |
| 2016-09-30 | $1.1B | $1.0B | $0.8B | 0.49% | 5.11% | 3.48% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 5374452 · 2019-07-17 to current
2024-10-01RSSD 3303953 → 237619 · 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.