Solvay Bank
Solvay, NY · Cert 13297 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · 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 42 of 267).
- Widest gap: total risk-based capital ratio trails 97% of banks $1B-$10B in assets operating in a single state (rank 260 of 267).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.76%
Rank 225 of 267
Net Interest Margin
2.40%
Rank 252 of 267
Efficiency Ratio
72.57%
Rank 213 of 266
Equity / Assets
7.84%
Rank 251 of 267
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% | 1.55% | Beats 16% | 225 / 267 | | |
| Return on Equity | 9.64% | 9.16% | 11.84% | 14.56% | Beats 29% | 190 / 267 | | |
| Net Interest Margin | 2.40% | 3.12% | 3.50% | 3.88% | Beats 6% | 252 / 267 | | |
| Efficiency Ratio | 72.57% | 51.36% | 60.21% | 69.66% | Beats 20% | 213 / 266 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.19% | 0.46% | 0.89% | Beats 85% | 42 / 267 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 77% | 62 / 267 | | |
| Capital |
| Tier 1 Capital Ratio | 9.53% | 11.29% | 13.05% | 15.13% | Beats 3% | 260 / 267 | | |
| Total Risk-Based Capital Ratio | 9.53% | 11.95% | 13.87% | 16.27% | Beats 3% | 260 / 267 | | |
| Equity / Assets | 7.84% | 9.18% | 10.29% | 11.76% | Beats 6% | 251 / 267 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.62% | 72.68% | 86.16% | 95.22% | 20th pctl | 214 / 267 | | |
| Loans / Assets | 63.16% | 62.46% | 71.96% | 78.38% | 27th pctl | 196 / 267 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |