PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $1.2MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $133.5M22%Noninterest $36.7MQ3 2024Q2 2026

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 0.50%, down 2 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.23% of loans (-40 bps YoY), with net recoveries of 0.05%.
  • 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.

Return on Assets (YTD, annualized)

0.50%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+6 bps YoY

Efficiency Ratio (YTD, annualized)

79.98%+219 bps YoY

Tier 1 Leverage Ratio

8.92%+32 bps YoY

NIM

4.52%Q2 ’244.66%Q2 ’254.70%Q2 ’26+9%+2%

Non-interest income vs. expense

2.47%Q2 ’242.39%Q2 ’252.51%Q2 ’26+7%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.32%0.40%0.53%0.49%0.43%0.30%0.50%-2 bps
Return on Equity5.79%5.40%6.27%8.11%7.29%6.36%4.18%6.81%-130 bps
Net Interest Margin2.59%2.55%2.78%2.90%2.84%2.79%2.76%2.97%+6 bps
Efficiency Ratio83.70%84.86%81.33%77.79%79.59%81.57%86.64%79.98%+219 bps
Non-Interest Burden2.12%2.12%2.23%2.22%2.23%2.25%2.37%2.34%+12 bps
Growth
Asset Growth (YoY)1.78%1.57%4.92%10.89%1.89%3.66%3.63%-1.58%-1,247 bps
Loan Growth (YoY)0.66%-2.11%-0.53%2.27%-0.41%0.98%-0.28%-3.88%-615 bps
Deposit Growth (YoY)-0.94%1.09%3.40%10.35%1.32%1.67%3.16%-2.27%-1,262 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.63%1.03%0.63%0.69%1.19%1.05%0.23%-40 bps
Net Charge-Offs / Loans0.11%0.10%0.02%0.00%0.01%0.05%0.01%-0.05%-6 bps
Allowance / Loans1.34%1.34%1.32%1.31%1.33%1.28%1.28%1.33%+3 bps
Allowance Coverage of NPLs2.3x2.1x1.3x2.1x1.9x1.1x1.2x5.8x+3.7x
Capital
Tier 1 Leverage Ratio8.38%8.28%8.45%8.60%8.61%8.69%8.61%8.92%+32 bps
Total Risk-Based Capital17.34%17.69%17.70%17.66%18.20%18.27%18.23%19.06%+140 bps
Equity / Assets6.46%6.15%6.59%6.68%7.31%7.43%7.15%7.49%+81 bps
Liquidity & Funding
Loans / Deposits56.02%54.72%55.11%54.44%55.06%54.35%53.28%53.55%-90 bps
Liquid Assets / Assets13.63%10.96%11.26%13.37%12.09%10.72%12.06%9.89%-348 bps
CRE / Total Capitaln/an/an/an/a157.76%154.61%152.10%n/an/a