Carthage Federal Savings and Loan Association

Overview / Commentary
313 State St
Carthage, NY 13619

Carthage Federal Savings and Loan Association is headquartered in Carthage and is the 94th largest bank in the state of New York. It is also the 2,531st largest bank in the nation. It was established in 1888 and as of June of 2022, it had grown to 46 employees at 4 locations. Carthage Federal Savings and Loan Association has an A health rating.

Reviews (1)

Moved 40 Miles From The Closest Branch, I Kept All Of My Accounts With CFS&L.

Posted by: |

Everyone at every branch always goes above and far beyond to make business with them pleasent.  Great tellers, great loan department.  Very competent people.  They never make mistakes.  Even after I moved 40 miles from the closest branch, I kept all of my accounts with CFS&L.


Health Grade Components

FDIC Certificate #28942
Year Established1888
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD6.65%
Annual Interest Income$4.3MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$290.3MM$293.5MM
LoansQ2 2022vs Q2 2021$200.1MM$196.8MM
DepositsQ2 2022vs Q2 2021$242.7MM$251.8MM
Equity CapitalQ2 2022vs Q2 2021$39.1MM$30.2MM
Loan Loss AllowanceQ2 2022vs Q2 2021$980.00K$920.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$152.00K$194.00K
Real Estate OwnedQ2 2022vs Q2 2021$83.00K$83.00K

Rates for Carthage Federal Savings and Loan Association are currently being reviewed.


Carthage Federal Savings and Loan Association Locations
Watertown Branch146 Arsenal St. Ste. 11Watertown, NY 13601
Carthage Federal Savings and Loan Association313 State StCarthage, NY 13619
Clayton Branch325 State StreetClayton, NY 13624
Croghan Branch9756 Main StreetCroghan, NY 13327

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