Institution Profile
Branches by Region
NY 4
Financial Overview
Total Assets
$202.11M
Total Deposits
$161.32M
Total Loans
$134.25M
Equity Capital
$31.51M
Employees
36
Allowance for Loan Losses
$1.11M
Performance Ratios
Net Worth Ratio
15.59%
Loan-to-Deposit Ratio
83.22%
Coverage Ratio
0.83% Allowance / Total Loans
Net Income
$1.19M
Return on Assets (ROA)
0.60%
Return on Equity (ROE)
3.91%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +62.07% Total Deposits: +98.74% Total Loans: +48.75% since 2020 Q1
Employee Growth
Employee Growth
Employees: +12.50% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$114.85M 85.6%
Commercial & Industrial
$6.64M 5.0%
Commercial Real Estate
$4.30M 3.2%
Construction
$3.64M 2.7%
Other Consumer
$2.29M 1.7%
Auto Loans
$1.58M 1.2%
Municipal
$560,000 0.4%
Multifamily
$345,000 0.3%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +218.86% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $202.11M | $161.32M | $134.25M | $1.19M | 36 |
| 2025 Q3 | $198.84M | $156.55M | $132.60M | $851,000 | 38 |
| 2025 Q2 | $197.06M | $162.10M | $127.00M | $534,000 | 40 |
| 2025 Q1 | $197.73M | $164.02M | $126.45M | $250,000 | 36 |
| 2024 Q4 | $197.14M | $163.35M | $125.99M | $840,000 | 41 |
| 2024 Q3 | $197.66M | $162.82M | $125.32M | $648,000 | 40 |
| 2024 Q2 | $195.49M | $157.15M | $124.17M | $451,000 | 38 |
| 2024 Q1 | $204.13M | $165.91M | $124.78M | $206,000 | 40 |
| 2023 Q4 | $205.38M | $164.34M | $125.67M | $513,000 | 45 |
| 2023 Q3 | $205.59M | $163.82M | $126.05M | $335,000 | 46 |
| 2023 Q2 | $203.13M | $161.76M | $125.66M | $237,000 | 47 |
| 2023 Q1 | $205.19M | $166.52M | $125.07M | -$13,000 | 46 |
| 2022 Q4 | $204.78M | $171.62M | $125.18M | $1.70M | 45 |
| 2022 Q3 | $213.01M | $184.51M | $125.73M | $1.65M | 44 |
| 2022 Q2 | $130.19M | $101.81M | $88.28M | $939,000 | 27 |
| 2022 Q1 | $130.09M | $100.91M | $88.36M | $595,000 | 27 |
| 2021 Q4 | $132.77M | $101.06M | $88.48M | $1.06M | 30 |
| 2021 Q3 | $134.73M | $101.38M | $86.97M | $849,000 | 30 |
| 2021 Q2 | $132.81M | $98.30M | $86.70M | $686,000 | 30 |
| 2021 Q1 | $128.83M | $95.31M | $86.57M | $577,000 | 30 |
| 2020 Q4 | $127.28M | $89.62M | $87.34M | -$479,000 | 31 |
| 2020 Q3 | $129.26M | $91.82M | $87.51M | -$731,000 | 31 |
| 2020 Q2 | $140.59M | $97.72M | $88.05M | -$948,000 | 30 |
| 2020 Q1 | $124.70M | $81.17M | $90.25M | -$997,000 | 32 |