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
Unfavorable gap of $19.5M · efficiency ratio beats 20% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.93% | 1.23% | 1.54% | Beats 16% | 218 / 258 | | |
| Return on Equity | 9.64% | 9.26% | 11.84% | 14.74% | Beats 29% | 183 / 258 | | |
| Net Interest Margin | 2.40% | 3.16% | 3.49% | 3.88% | Beats 5% | 244 / 258 | | |
| Efficiency Ratio | 72.57% | 51.71% | 60.30% | 69.65% | Beats 20% | 206 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.19% | 0.46% | 0.90% | Beats 85% | 40 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 76% | 64 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 9.53% | 11.41% | 12.98% | 15.12% | Beats 2% | 252 / 258 | | |
| Total Risk-Based Capital Ratio | 9.53% | 12.10% | 13.91% | 16.08% | Beats 2% | 252 / 258 | | |
| Equity / Assets | 7.84% | 9.09% | 10.24% | 11.72% | Beats 7% | 241 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.62% | 73.24% | 86.34% | 95.95% | 19th pctl | 208 / 258 | | |
| Loans / Assets | 63.16% | 63.01% | 72.27% | 78.40% | 25th pctl | 193 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |