Bank · FDIC insured
Carthage Federal Savings and Loan Association
A $312.1M bank headquartered in Carthage, NY, with 3 branches in New York. Best rates: savings 0.10% APY.
Carthage Federal Savings and Loan Association Carrot Score
60
Carrot Score
Higher than 1% of U.S. banks and credit unions
#8 of 9 in Watertown, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Carthage Federal Savings and Loan Association
Founded in 1888, Carthage Savings is a customer-owned mutual association.
The institution operates four full-service offices serving Jefferson and Lewis Counties in Northern New York.
- Headquarters
- 313 State St, Carthage, NY 13619
- FDIC certificate
- 28942 ↗
Branches
3 branches in New York
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New York
3 branches
Watertown area · 2
- Carthage Savings and Loan, National AssociationMain office313 State St, Carthage, NY 13619Directions
- Watertown Branch146 Arsenal St, Watertown, NY 13601Directions
Croghan area · 1
- Croghan Branch9756 Main St, Croghan, NY 13327Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.86% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.32% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.96% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $92 | $81 | — |
- CapitalLeverage ratio12.86%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.32%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.96%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$92Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Carthage Federal Savings and Loan Association are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.