TellerScore

Geddes Federal Savings and Loan Association (FDIC certificate #30397) is based in Syracuse, New York. Its Q2 2026 call report shows $685.7M in total assets and $512.0M in deposits and 1 office.

Based on its Q2 2026 filing, Geddes Federal Savings and Loan Association scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 29th. Its strongest component is capital cushion (97/100; 14.70%), and its lowest is earnings (33/100; 0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Tier 1 leverage ratio: 14.70%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.44%
Earnings33/100
Return on assets (annualized): 0.32%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 113.2% · 12.6% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.52%

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

From Q2 2025 to Q2 2026, the score fell 2 points (76 → 74), mostly because the loan quality component weakened by 12 points.

TellerScore
747576Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202476
Q4 202476
Q1 202576
Q2 202576
Q3 202576
Q4 202575
Q1 202675
Q2 202674
Tier 1 leverage ratio
5.00%10.19%15.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202415.06%
Q3 202414.99%
Q4 202415.18%
Q1 202515.31%
Q2 202515.38%
Q3 202515.25%
Q4 202515.29%
Q1 202615.14%
Q2 202614.70%
Noncurrent loans
0.09%0.26%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.12%
Q4 20240.09%
Q1 20250.10%
Q2 20250.09%
Q3 20250.12%
Q4 20250.25%
Q1 20260.41%
Q2 20260.44%
Return on assets
-0.01%0.16%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.07%
Q3 20240.05%
Q4 2024-0.01%
Q1 20250.07%
Q2 20250.07%
Q3 20250.10%
Q4 20250.04%
Q1 20260.32%
Q2 20260.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$685.7M14.70%0.44%0.32%113.2%
Q1 202675$669.5M15.14%0.41%0.32%116.6%
Q4 202575$652.4M15.29%0.25%0.04%116.6%
Q3 202576$642.7M15.25%0.12%0.10%117.8%
Q2 202576$648.0M15.38%0.09%0.07%117.1%
Q1 202576$641.2M15.31%0.10%0.07%118.1%
Q4 202476$652.7M15.18%0.09%-0.01%117.4%
Q3 202476$649.2M14.99%0.12%0.05%117.2%
Q2 202476$662.3M15.06%0.13%0.07%113.2%

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 ratio14.70%
85th
Total risk-based capital0.00%
24th
Problem loans0.44%
48th
Net charge-offs0.00%
68th
Return on assets0.32%
8th
Net interest margin1.80%
1st
Efficiency ratio78.0%
16th
Loans to deposits113.2%
2nd
Uninsured deposits12.6%
88th
Loan-loss reserves0.19%
1st
Texas ratio2.5%
52nd

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Jeff Bank, National AssociationBank Jeffersonville, NY95 out of 100, Very strong$686.2M14.9%0.37%vs
Carver Federal Savings BankBank New York, NY23 out of 100, Low$658.1M8.7%3.46%vs
First National Bank of ScotiaBank Scotia, NY55 out of 100, Moderate$719.0M9.2%1.50%vs
Modern Bank, National AssociationBank New York, NY30 out of 100, Low$648.5M9.6%5.60%vs
Spring BankBank Bronx, NY85 out of 100, Very strong$641.0M14.6%0.60%vs
Lake Shore BankBank Dunkirk, NY86 out of 100, Very strong$735.9M17.4%0.25%vs

Deposit insurance

Is my money safe at Geddes Federal Savings and Loan Association?

Yes. Geddes Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #30397). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.6% of deposits ($64.3M) 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 14.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Geddes Federal Savings and Loan Association lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Geddes Federal Savings and Loan Association reported 461 home-loan applications under HMDA (LEI 549300XZF8VZFNRNBW38): 373 originated ($93,545,000 total), 30 denied, and 38 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.1%, 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
Geddes Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
30397
RSSD ID
451273
Primary regulator
OCC
Established
January 1, 1948
Headquarters
2208 W Genesee St, Syracuse, NY 13219
Employees
44

Quick answers

Geddes Federal Savings and Loan Association: common questions

Is Geddes Federal Savings and Loan Association FDIC insured?

Yes. Geddes Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #30397). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Geddes Federal Savings and Loan Association's TellerScore?

74 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 Geddes Federal Savings and Loan Association ever failed?

There is no failure record for FDIC certificate #30397 in the FDIC failed bank list.

How many branches does Geddes Federal Savings and Loan Association have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Syracuse

InstitutionScoreAssetsCapitalProblem loansCompare
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
Syracuse Fire Department Employees Federal Credit UnionCredit union Syracuse, NY89 out of 100, Very strong$147.4M15.2%0.95%vs
Compass Federal Credit UnionCredit union Oswego, NY89 out of 100, Very strong$101.5M15.3%0.46%vs
Fulton Savings BankBank Fulton, NY88 out of 100, Very strong$492.3M31.4%0.70%vs
Crouse Hinds Employees Federal Credit UnionCredit union Syracuse, NY84 out of 100, Strong$6.9M12.1%0.13%vs
Auburn Community Federal Credit UnionCredit union Auburn, NY83 out of 100, Strong$126.5M12.3%0.08%vs