Geddes Federal Savings and Loan Association
Syracuse, NY
IDRSSD: 451273
Total Assets
$642.68M
Latest filing
Total Deposits
$477.96M
Latest filing
Net Interest Margin
1.74%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Geddes Federal Savings and Loan Association
2208 W Genesee St
Syracuse, NY 13219
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1948FDIC Certificate 43231
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Geddes Federal Savings and Loan Association (Main) | 2208 W Genesee St | Syracuse, NY | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1948 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 13219 |
| State and County Number | 36067 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 38 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Syracuse, NY |
Operational Info
| Number of Employees | 43 |
| Domestic Offices | 1 |
| 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 | www.geddesfederal.com |
| Data Updated | 11/14/2025 |
| CERT | 30397 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $642.68M |
| Total Deposits | $477.96M |
| Total Liabilities | $543.45M |
| Total Equity Capital | $99.22M |
| Net Income | $242.00k |
| Net Loans and Leases | $563.25M |
| Assets Per Employee ($Millions) | $14.95M |
| Bank Premises and Fixed Assets | $653.00k |
| Cash and Balances due from Depository Institutions | $10.39M |
| Deposits Held in Domestic Offices | $477.96M |
Key Performance Ratios
| Return on Assets (ROA) | 0.15% |
| Return on Equity (ROE) | 0.98% |
| Net Interest Margin | 1.74% |
| Efficiency Ratio | 89.52% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.439% |
| Earning Assets to total Assets | 96.3% |
Income and Expense
| Total Interest Income | $7.05M |
| Total Noninterest Income | $37.00k |
| Total Interest Expense | $4.35M |
| Total Noninterest Expense | $2.45M |
| Net Interest Income | $2.70M |
| Pre-tax Net Operating Income | $282.00k |
| Provision for Credit Losses | $5.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $64.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.53M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.50M |
| Total Liabilities and Capital | $642.68M |
Securities
| Securities | $49.19M |
| Available-for-sale debt securities | $1.50M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $47.69M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Geddes Federal Savings and Loan Association?
$642.68M as of the latest filing.
How much are Geddes Federal Savings and Loan Association's total deposits?
$477.96M in total deposits.
Where is Geddes Federal Savings and Loan Association located?
Syracuse, NY.
What is the Net Interest Margin?
1.74%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1948.
What is the Return on Assets (ROA)?
0.15%.
How much are total loans and leases?
$563.25M (latest filing).
What is the total interest income (latest filing)?
$7.05M.