Bank · FDIC insured
Geddes Federal Savings and Loan Association
A $685.7M bank headquartered in Syracuse, NY, with 1 branch in New York. Best rates: CDs 4.60% and savings 0.30% APY.
Geddes Federal Savings and Loan Association Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#18 of 32 in Syracuse, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Geddes Federal Savings and Loan Association
Founded in 1949 as Geddes Savings and Loan Association, Geddes Federal Savings and Loan Association is based in Syracuse, New York.
The association changed its charter in 1982 to become Geddes Federal Savings and Loan Association and operates locations in Syracuse and Manlius.
- Headquarters
- 2208 W Genesee St, Syracuse, NY 13219
- FDIC certificate
- 30397 ↗
Branches
1 branch in New York
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New York
1 branch
- Geddes Federal Savings and Loan AssociationMain office2208 W Genesee St, Syracuse, NY 13219Directions
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 | 14.70% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.44% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.32% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $113 | $81 | — |
- CapitalLeverage ratio14.70%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.44%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.32%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$113Peers’ 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 Geddes 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.