Side-by-side · Q2 2026 data
The Upstate National Bank vs Carthage Savings and Loan, National Association
Bank
Carthage Savings and Loan, National Association
Carthage, New York · $100 million – $1 billion
Metric by metric
| Measure | The Upstate National Bank | Carthage Savings and Loan, National Association |
|---|---|---|
| TellerScore | 63 | 77 (stronger) |
| Capital cushion | 52 | 79 (stronger) |
| Loan quality | 100 (stronger) | 89 |
| Earnings | 23 | 58 (stronger) |
| Funding & liquidity | 50 | 66 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 24th | 68th |
| Total assets | $294.8M | $312.1M |
| Deposits / shares | $208.8M | $257.4M |
| Capital ratio | 10.19% | 12.86% (stronger) |
| Problem loans | 0.00% (stronger) | 0.32% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 0.07% | 0.96% (stronger) |
| Loans ÷ deposits | 110.3% | 91.6% (stronger) |
| Uninsured deposits | 10.2% (stronger) | 17.4% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.6% |
Carthage Savings and Loan, National Association has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Upstate National Bank leads on 3 and Carthage Savings and Loan, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.