Vitals
  • Total Assets
    516.3M 5.4 %
  • Total Deposits
    418.8M 6.0 %
  • Total Net Loans
    297.7M 7.3 %
  • Net Income
    5.4M 5.8 %
  • Book Value
    53.0M 5.1 %
  • Book Value x2
    106.0M 5.1 %
  • Book Value x3
    159.0M 5.1 %
ROAA

1.065

ROAE

10.26

Efficiency Ratio

61.643

Net Interest Margin

3.653

Balance Sheet Highlights
Financial Highlights Steuben Trust Company All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 516,296 1,637,033
Total Net Loans 297,686 1,047,955
Total Deposits 418,772 1,296,950
Total Equity 53,007 187,165
Profitability
Net Income 5,446 13,254
Return on Average Assets 1.065 .773
Return on Average Equity 10.26 7.506
Net Interest Margin 3.653 3.19
Efficiency Ratio 61.643 65.064
Noninterest Income/Revenue 17.672 18.239
Balance Sheet Ratios
Loan-to-Deposit 71.086 73.986
Securities/Assets .348 .167
Total Equity/Total Assets .103 .114
Tangible Equity/Tangible Assets .102 .109
Capital Adequacy
Tier 1 Common Capital 54,139 154,500
Tier 1 Capital 54,139 155,066
Tier 2 Capital 3,580 9,750
Total Capital 57,719 168,084
Total Risk Weighted Assets 333,008 1,138,832
Leverage Ratio 10.53 10.188
Common Equity Tier 1 Capital Ratio 16.26 16.458
Tier 1 Capital Ratio 16.26 16.551
Total Capital Ratio 17.33 17.647

Timeline for Steuben Trust Company

Steuben Financial Services, Inc.

Steuben Financial Services, Inc. became a new subsidiary organization for Steuben Trust Company.

View Profile Sep 01 2016

Canisteo Savings And Loan Association

Acquisition: Steuben Trust Company acquired a new subsidiary, Canisteo Savings And Loan Association, 15 years

View Profile Feb 20 2009

Steuben Real Estate Holding, Inc.

Steuben Real Estate Holding, Inc. became a new subsidiary organization for Steuben Trust Company.

View Profile Apr 07 1999

Steuben Trust Corporation

Steuben Trust Corporation became a new parent organization for Steuben Trust Company.

View Profile Jul 31 1990

Steuben Trust Company

Steuben Trust Company was established 121 years ago and is currently headquartered in Hornell, NY.

Aug 30 1902
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Canisteo Savings And Loan Association Seller 6,890 Acquisition Discontinued 2/20/2009
Relationships Role Relationship Start Relationship End
Steuben Trust Corporation Parent 7/31/1990
Steuben Financial Services, Inc. Subsidary 9/1/2016
Steuben Real Estate Holding, Inc. Subsidary 6/30/2007 12/5/2014
Steuben Real Estate Holding, Inc. Subsidary 4/7/1999 6/29/2007
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