Institution Profile
Address: 212 Dolson Ave Middletown, NY 10940
Website:
FDIC Profile:
Established:
5/2/1892
Branches:
16
Branches by Region
NY 16
Financial Overview
Total Assets
$2.65B
Total Deposits
$2.32B
Total Loans
$1.95B
Equity Capital
$291.74M
Employees
210
Allowance for Loan Losses
$28.34M
Performance Ratios
Net Worth Ratio
11.01%
Loan-to-Deposit Ratio
83.89%
Coverage Ratio
1.45% Allowance / Total Loans
Net Income
$43.17M
Return on Assets (ROA)
1.67%
Return on Equity (ROE)
17.53%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +96.87% Total Deposits: +91.45% Total Loans: +107.79% since 2020 Q1
Employee Growth
Employee Growth
Employees: +29.63% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Commercial Real Estate
$956.68M 50.1%
Multifamily
$457.13M 24.0%
Commercial & Industrial
$212.98M 11.2%
1-4 Family Residential
$139.77M 7.3%
Construction
$112.41M 5.9%
Other Consumer
$27.65M 1.4%
Farmland
$1.25M 0.1%
Auto Loans
$29,000 0.0%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +1546.45% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $2.65B | $2.32B | $1.95B | $43.17M | 210 |
| 2025 Q3 | $2.63B | $2.29B | $1.94B | $29.70M | 208 |
| 2025 Q2 | $2.60B | $2.28B | $1.92B | $19.40M | 210 |
| 2025 Q1 | $2.55B | $2.29B | $1.85B | $8.80M | 210 |
| 2024 Q4 | $2.50B | $2.16B | $1.82B | $29.85M | 204 |
| 2024 Q3 | $2.51B | $2.15B | $1.80B | $21.34M | 205 |
| 2024 Q2 | $2.47B | $2.20B | $1.73B | $17.89M | 212 |
| 2024 Q1 | $2.44B | $2.15B | $1.73B | $9.52M | 203 |
| 2023 Q4 | $2.48B | $2.04B | $1.75B | $30.46M | 197 |
| 2023 Q3 | $2.44B | $2.11B | $1.71B | $22.06M | 195 |
| 2023 Q2 | $2.48B | $2.14B | $1.71B | $12.96M | 205 |
| 2023 Q1 | $2.45B | $2.03B | $1.66B | $3.50M | 200 |
| 2022 Q4 | $2.28B | $1.98B | $1.57B | $25.59M | 192 |
| 2022 Q3 | $2.36B | $2.20B | $1.55B | $16.15M | 195 |
| 2022 Q2 | $2.38B | $2.22B | $1.47B | $8.01M | 198 |
| 2022 Q1 | $2.27B | $2.10B | $1.33B | $5.55M | 183 |
| 2021 Q4 | $2.13B | $1.94B | $1.29B | $21.40M | 179 |
| 2021 Q3 | $2.17B | $1.98B | $1.29B | $15.94M | 180 |
| 2021 Q2 | $2.04B | $1.88B | $1.29B | $10.29M | 188 |
| 2021 Q1 | $1.90B | $1.74B | $1.23B | $5.09M | 169 |
| 2020 Q4 | $1.65B | $1.50B | $1.15B | $11.87M | 170 |
| 2020 Q3 | $1.72B | $1.58B | $1.08B | $8.41M | 170 |
| 2020 Q2 | $1.57B | $1.44B | $1.05B | $5.40M | 169 |
| 2020 Q1 | $1.35B | $1.21B | $938.57M | $2.62M | 162 |