What is Carthage Savings and Loan, National Association's financial health grade?

Carthage Savings and Loan, National Association has a TFS Financial Health Grade of C (score: 75.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

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

Carthage Savings and Loan, National Association has 4 branch locations across the United States.

Is Carthage Savings and Loan, National Association FDIC insured?

Yes, Carthage Savings and Loan, National Association is FDIC insured (Certificate #28942).

What are the total assets of Carthage Savings and Loan, National Association?

Carthage Savings and Loan, National Association has total assets of $304.3M as reported in its most recent FDIC filing.

Carthage Savings and Loan, National Association

BankCarthage, New York

carthagesavings.com

Total Assets

$304.3M

Total Deposits

$251.2M

Branches

Established

1888

TFS Health Grade

75.3 / 100

Average financial health

How we grade

Carthage Savings and Loan, National Association is a bank headquartered in Carthage, New York, established in 1888. With $304.3M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C (75.3/100).

Capital & Safety

Tier 1 Capital Ratio

12.59%(8%)

Total Capital Ratio

25.96%(10%)

Non-Performing Loan Ratio

0.20%

Profitability

Return on Assets (ROA)

0.50%(1%)

Return on Equity (ROE)

3.53%(10%)

Net Interest Margin

2.98%

Efficiency Ratio

76.78%(60%)

Lending & Liquidity

Total Loans

$233.1M

Loan-to-Deposit Ratio

92.20%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+1.65%

Deposit Growth (YoY)

+1.38%

Net Income

$1.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Carthage Savings and Loan, National AssociationHQ	313 State St	Carthage	NY	11
Carthage Savings and Loan, National Association	325 State St	Clayton	NY	24
Carthage Savings and Loan, National Association	9756 Main St	Croghan	NY	11
Carthage Savings and Loan, National Association	146 Arsenal St	Watertown	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.