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Solvay Bank

Solvay, NY · Cert 13297 · Solvay Bank Corp.

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

4

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Solvay Bank

Solvay, NY · Cert 13297 · Solvay Bank Corp.

State charter, Fed member · FED · 10 branches

Q2 2026

$1.2BAssets
$756.6MLoans
$1.1BDeposits
$93.9MEquity
Loan mix
76%RE $550.7M12%C&I $88.2M12%Consumer $87.1MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $804.8M25%Noninterest $266.6MQ2 2025Q2 2026

NIM

3.61%Q2 ’243.85%Q2 ’254.02%Q2 ’26+16%+19%

Non-interest income vs. expense

1.87%Q2 ’242.00%Q2 ’252.08%Q2 ’26+19%+4%

Market Position · Syracuse, NY · 2026 SOD (annual) · 6.6% share · #8 of 15 inst. · $1.1B of $16.2B

Executive Summary

  • Earnings: ROA of 0.76%, up 35 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.11% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.53%, up 16 bps from a year ago.
  • Funding: loans stand at 70.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+38 bps YoY

Efficiency Ratio (YTD, annualized)

72.57%-830 bps YoY

Tier 1 Leverage Ratio

9.53%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.47%0.49%0.66%0.76%+35 bps
Return on Equity5.82%6.71%6.84%8.43%9.73%+391 bps
Net Interest Margin2.02%2.04%2.10%2.38%2.40%+38 bps
Efficiency Ratio80.87%78.02%77.24%72.43%72.57%-830 bps
Non-Interest Burden1.55%1.49%1.51%1.60%1.62%+7 bps
Growth
Asset Growth (YoY)0.06%-0.37%-0.80%1.40%1.41%+136 bps
Loan Growth (YoY)2.64%3.84%3.44%-0.29%2.54%-10 bps
Deposit Growth (YoY)0.42%0.44%0.57%3.15%1.38%+96 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.09%0.08%0.08%0.11%0 bps
Net Charge-Offs / Loans0.00%0.01%0.01%-0.02%-0.01%-1 bps
Allowance / Loans1.07%1.07%1.07%1.07%1.05%-3 bps
Allowance Coverage of NPLs9.6x11.9x13.6x13.4x9.4x-0.2x
Capital
Tier 1 Leverage Ratio9.37%9.22%9.23%9.23%9.53%+16 bps
Total Risk-Based Capital9.37%9.22%9.23%9.23%9.53%+16 bps
Equity / Assets7.37%7.10%7.84%7.77%7.84%+47 bps
Liquidity & Funding
Loans / Deposits69.82%64.92%69.80%67.43%70.62%+80 bps
Liquid Assets / Assets1.67%7.70%2.26%3.25%2.82%+116 bps
CRE / Total Capitaln/a198.59%196.79%189.68%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Solvay Bank

Solvay, NY · Cert 13297 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Solvay Bank Corp.

State charter, Fed member · FED · 10 branches

Q2 2026

$1.2BAssets
$756.6MLoans
$1.1BDeposits
$93.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks $1B-$10B in assets operating in a single state (rank 40 of 258).
  • Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets operating in a single state (rank 252 of 258).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.76%

Rank 218 of 258

Net Interest Margin

2.40%

Rank 244 of 258

Efficiency Ratio

72.57%

Rank 206 of 257

Equity / Assets

7.84%

Rank 241 of 258

Non-interest income vs. expense

$5.6M$25.0MINCOMEEXPENSE
Unfavorable gap of $19.5M · efficiency ratio beats 20% of banks $1B-$10B in assets operating in a single state
Bank 72.57%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.76%0.93%1.23%1.54%Beats 16%218 / 258
Return on Equity9.64%9.26%11.84%14.74%Beats 29%183 / 258
Net Interest Margin2.40%3.16%3.49%3.88%Beats 5%244 / 258
Efficiency Ratio72.57%51.71%60.30%69.65%Beats 20%206 / 257
Asset Quality
Nonperforming Loans / Loans0.11%0.19%0.46%0.90%Beats 85%40 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 76%64 / 258
Capital
Tier 1 Capital Ratio9.53%11.41%12.98%15.12%Beats 2%252 / 258
Total Risk-Based Capital Ratio9.53%12.10%13.91%16.08%Beats 2%252 / 258
Equity / Assets7.84%9.09%10.24%11.72%Beats 7%241 / 258
Liquidity & Funding
Loans / Deposits70.62%73.24%86.34%95.95%19th pctl208 / 258
Loans / Assets63.16%63.01%72.27%78.40%25th pctl193 / 258
Brokered Deposits / Depositsn/aNot reported for this institution