TellerScore

Headquartered in Carthage, New York, Carthage Savings and Loan, National Association is a national bank with $312.1M in total assets and $257.4M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1888.

Carthage Savings and Loan, National Association has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 23rd. Problem-loan coverage contributes the most (97/100, 1.6%); earnings contributes the least (58/100, 0.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.86%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.32%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 91.6% · 17.4% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.55%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

TellerScore
707477Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202470
Q1 202576
Q2 202576
Q3 202574
Q4 202574
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%8.93%12.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.39%
Q3 202412.42%
Q4 202412.51%
Q1 202512.27%
Q2 202512.36%
Q3 202512.36%
Q4 202512.59%
Q1 202612.75%
Q2 202612.86%
Noncurrent loans
0.03%0.17%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.19%
Q4 20240.24%
Q1 20250.03%
Q2 20250.06%
Q3 20250.12%
Q4 20250.20%
Q1 20260.18%
Q2 20260.32%
Return on assets
0.15%0.56%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.18%
Q3 20240.22%
Q4 20240.15%
Q1 20250.59%
Q2 20250.63%
Q3 20250.53%
Q4 20250.50%
Q1 20260.84%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$312.1M12.86%0.32%0.96%91.6%
Q1 202677$308.1M12.75%0.18%0.84%92.0%
Q4 202574$304.3M12.59%0.20%0.50%92.2%
Q3 202574$306.0M12.36%0.12%0.53%89.7%
Q2 202576$306.9M12.36%0.06%0.63%87.9%
Q1 202576$308.3M12.27%0.03%0.59%87.4%
Q4 202470$299.3M12.51%0.24%0.15%90.3%
Q3 202471$299.8M12.42%0.19%0.22%88.9%
Q2 202471$301.4M12.39%0.18%0.18%86.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.86%
74th
Total risk-based capital26.25%
94th
Problem loans0.32%
56th
Net charge-offs0.01%
51st
Return on assets0.96%
31st
Net interest margin3.48%
27th
Efficiency ratio63.4%
47th
Loans to deposits91.6%
23rd
Uninsured deposits17.4%
74th
Loan-loss reserves0.64%
6th
Texas ratio1.6%
63rd

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of MillbrookBank Millbrook, NY73 out of 100, Strong$311.7M12.1%1.76%vs
Seneca Savings Bank, National AssociationBank Baldwinsville, NY51 out of 100, Below average$312.5M9.8%1.12%vs
American Community BankBank Glen Cove, NY78 out of 100, Strong$306.5M13.4%0.00%vs
Global BankBank New York, NY36 out of 100, Low$304.2M12.1%4.49%vs
Abacus Federal Savings BankBank New York, NY76 out of 100, Strong$320.7M16.3%0.47%vs
The Upstate National BankBank Ogdensburg, NY63 out of 100, Moderate$294.8M10.2%0.00%vs

Deposit insurance

Is my money safe at Carthage Savings and Loan, National Association?

Yes. Carthage Savings and Loan, National Association is an FDIC-insured institution (FDIC certificate #28942). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.4% of deposits ($44.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.86%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.25% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Carthage Savings and Loan, National Association lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Carthage Savings and Loan, National Association reported 202 home-loan applications under HMDA (LEI 254900DNLSAVSRPDRK61): 164 originated ($26,920,000 total), 22 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Carthage Savings and Loan, National Association
Former names
Carthage Federal Savings and Loan Association
Type
National bank
FDIC certificate #
28942
RSSD ID
900678
Primary regulator
OCC
Holding company
Riverbank Financial Corp Mhc
Established
January 1, 1888
Headquarters
313 State St, Carthage, NY 13619
Employees
37

Quick answers

Carthage Savings and Loan, National Association: common questions

Is Carthage Savings and Loan, National Association FDIC insured?

Yes. Carthage Savings and Loan, National Association is an FDIC-insured institution (FDIC certificate #28942). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Carthage Savings and Loan, National Association's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Carthage Savings and Loan, National Association ever failed?

There is no failure record for FDIC certificate #28942 in the FDIC failed bank list.

How many branches does Carthage Savings and Loan, National Association have?

4 offices as of the latest FDIC data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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