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Savannah Bank, N.A.

Savannah, NY · Cert 14619

National charter · OCC · 5 branches

Q2 2026

$187.2MAssets
$91.2MLoans
$170.3MDeposits
$14.0MEquity
Loan mix
82%RE $76.0M17%C&I $16.0M1%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $133.5M22%Noninterest $36.7MQ2 2025Q2 2026

NIM

4.50%Q2 ’244.83%Q2 ’254.83%Q2 ’26+14%+3%

Non-interest income vs. expense

2.49%Q2 ’242.41%Q2 ’252.47%Q2 ’26-3%+3%

Market Position · Rochester, NY · 2026 SOD (annual) · 0.2% share · #17 of 19 inst. · $0.1B of $27.0B

6.4% Cayuga
4.4% Wayne
2.2% Seneca

Executive Summary

  • Earnings: ROA of 0.69%, up 5 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.23% of loans (-40 bps YoY), with net recoveries of 0.12%.
  • Capital: tier 1 leverage ratio of 8.92%, up 32 bps from a year ago.
  • Funding: loans stand at 53.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.69%+5 bps YoY

Net Interest Margin (quarter, annualized)

3.14%+10 bps YoY

Efficiency Ratio (quarter, annualized)

74.07%-52 bps YoY

Tier 1 Leverage Ratio

8.92%+32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.41%0.28%0.30%0.69%+5 bps
Return on Equity9.78%5.83%3.74%4.18%9.50%-29 bps
Net Interest Margin3.05%2.80%2.66%2.76%3.14%+10 bps
Efficiency Ratio74.59%83.24%87.92%86.64%74.07%-52 bps
Non-Interest Burden2.23%2.30%2.32%2.37%2.28%+6 bps
Growth
Asset Growth (YoY)10.89%1.89%3.66%3.63%-1.58%-1,247 bps
Loan Growth (YoY)2.27%-0.41%0.98%-0.28%-3.88%-615 bps
Deposit Growth (YoY)10.35%1.32%1.67%3.16%-2.27%-1,262 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.69%1.19%1.05%0.23%-40 bps
Net Charge-Offs / Loans-0.01%0.02%0.20%0.01%-0.12%-11 bps
Allowance / Loans1.31%1.33%1.28%1.28%1.33%+3 bps
Allowance Coverage of NPLs2.1x1.9x1.1x1.2x5.8x+3.7x
Capital
Tier 1 Leverage Ratio8.60%8.61%8.69%8.61%8.92%+32 bps
Total Risk-Based Capital17.66%18.20%18.27%18.23%19.06%+140 bps
Equity / Assets6.68%7.31%7.43%7.15%7.49%+81 bps
Liquidity & Funding
Loans / Deposits54.44%55.06%54.35%53.28%53.55%-90 bps
Liquid Assets / Assets13.37%12.09%10.72%12.06%9.89%-348 bps
CRE / Total Capitaln/a157.76%154.61%152.10%n/an/a