BlastPoint's Banking Scorecard
Carthage Savings and Loan, National Association
Micro
Specialty: Mortgage
NY
FDIC cert 28942
Designations: ✓ Community bank
Carthage, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Carthage Savings and Loan, National Association demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 16.12% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$304.3M
+1.7% YoY
-0.6% QoQ
|
+$86.8M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$231.6M
+3.5% YoY
+1.4% QoQ
|
+$92.4M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$251.2M
+1.4% YoY
-1.4% QoQ
|
+$67.5M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.50%
+225.3% YoY
-5.0% QoQ
|
-0.58% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
2.98%
+30.5% YoY
+3.0% QoQ
|
-0.88% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
76.78%
-14.4% YoY
+2.2% QoQ
|
+9.05% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.20%
-19.7% YoY
+60.8% QoQ
|
-0.44% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
92.20%
+2.1% YoY
+2.8% QoQ
|
+17.68% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
9.87%
-5.8% YoY
+11.4% QoQ
|
-12.53% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-18.2% YoY
+63.9% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
24.97%
+0.2% YoY
-1.0% QoQ
|
+16.12% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.18%
-38.4% YoY
+101.9% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.97%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Tier 1 Capital Ratio
Current: 24.97% · Tier avg: 8.85%
82
82th pctile
Total Loans
Current: $231.6M · Tier avg: $139.2M
73
73th pctile
Total Assets
Current: $304.3M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $251.2M · Tier avg: $183.7M
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
25
25th pctile
Efficiency Ratio
Current: 76.78% · Tier avg: 67.73%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.20% · Tier avg: 74.53%
19
19th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.08%
16
16th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.85%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 9.87% · Tier avg: 22.39%
Top Weaknesses
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 9.87% · Tier avg: 22.39%
16
16th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.85%
19
19th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.08%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.20% · Tier avg: 74.53%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
25
25th pctile
Efficiency Ratio
Current: 76.78% · Tier avg: 67.73%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
71
71th pctile
Total Deposits
Current: $251.2M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $304.3M · Tier avg: $217.5M
82
82th pctile
Total Loans
Current: $231.6M · Tier avg: $139.2M
93
93th pctile
Tier 1 Capital Ratio
Current: 24.97% · Tier avg: 8.85%