Carthage Savings and Loan, National Association
Carthage, NY
IDRSSD: 900678
Total Assets
$304.26M
Latest filing
Total Deposits
$251.17M
Latest filing
Net Interest Margin
3.22%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
221371563CARTHAGE, NY
Key People
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Locations
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Main Office
Carthage Savings and Loan, National Association
313 State St
Carthage, NY 13619
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1888FDIC Certificate 41776
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Carthage Savings and Loan, National Association (Main) | 313 State St | Carthage, NY |
| WATERTOWN BRANCH | 146 Arsenal St | Watertown, NY |
| CLAYTON BRANCH | 325 State St | Clayton, NY |
| CROGHAN BRANCH | 9756 Main St | Croghan, NY |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1888 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 13619 |
| State and County Number | 36045 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Watertown-Fort Drum, NY |
Operational Info
| Number of Employees | 38 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | carthagesavings.com |
| Data Updated | 01/30/2026 |
| CERT | 28942 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $304.26M |
| Total Deposits | $251.17M |
| Total Liabilities | $258.65M |
| Total Equity Capital | $45.62M |
| Net Income | $323.00k |
| Net Loans and Leases | $231.59M |
| Assets Per Employee ($Millions) | $7.8M |
| Bank Premises and Fixed Assets | $2.84M |
| Cash and Balances due from Depository Institutions | $12.57M |
| Deposits Held in Domestic Offices | $251.17M |
Key Performance Ratios
| Return on Assets (ROA) | 0.42% |
| Return on Equity (ROE) | 2.89% |
| Net Interest Margin | 3.22% |
| Efficiency Ratio | 80.9% |
| Tier 1 Risk-Based Capital Ratio | 24.974% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.992% |
| Earning Assets to total Assets | 87.69% |
Income and Expense
| Total Interest Income | $3.47M |
| Total Noninterest Income | $272.00k |
| Total Interest Expense | $1.31M |
| Total Noninterest Expense | $1.97M |
| Net Interest Income | $2.16M |
| Pre-tax Net Operating Income | $435.00k |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $3.92M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.55M |
| Total Liabilities and Capital | $304.26M |
Securities
| Securities | $24.80M |
| Available-for-sale debt securities | $24.13M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $669.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Carthage Savings and Loan, National Association?
$304.26M as of the latest filing.
How much are Carthage Savings and Loan, National Association's total deposits?
$251.17M in total deposits.
Where is Carthage Savings and Loan, National Association located?
Carthage, NY.
What is the Net Interest Margin?
3.22%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1888.
What is the Return on Assets (ROA)?
0.42%.
How much are total loans and leases?
$231.59M (latest filing).
What is the total interest income (latest filing)?
$3.47M.