Saratoga National Bank and Trust Company
Saratoga Springs, NY · Cert 27290 · Peer group: banks $1B-$10B in assets operating in a single state (n=281-282)
FDIC · 11 branches
Q3 2024
$1.2BAssets
$973.9MLoans
$719.8MDeposits
$101.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 86% of banks $1B-$10B in assets operating in a single state (rank 40 of 282).
- Widest gap: net interest margin trails 90% of banks $1B-$10B in assets operating in a single state (rank 254 of 282).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.78%
Rank 167 of 282
Net Interest Margin
2.08%
Rank 254 of 282
Efficiency Ratio
51.77%
Rank 40 of 282
Equity / Assets
8.75%
Rank 196 of 282
Non-interest income vs. expense
Unfavorable gap of $9.8M · efficiency ratio beats 86% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.53% | 0.88% | 1.23% | Beats 41% | 167 / 282 | |
| Return on Equity | 8.96% | 5.95% | 8.98% | 12.11% | Beats 49% | 142 / 281 | |
| Net Interest Margin | 2.08% | 2.48% | 2.88% | 3.44% | Beats 10% | 254 / 282 | |
| Efficiency Ratio | 51.77% | 57.32% | 67.09% | 76.33% | Beats 86% | 40 / 282 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.13% | 0.34% | 0.82% | Beats 66% | 96 / 282 | |
| Net Charge-Offs / Loans | 0.17% | 0.01% | 0.03% | 0.10% | Beats 17% | 235 / 282 | |
| Capital |
| Tier 1 Capital Ratio | 12.04% | 11.48% | 13.06% | 14.94% | Beats 33% | 188 / 282 | |
| Total Risk-Based Capital Ratio | 13.24% | 12.24% | 13.97% | 15.89% | Beats 38% | 174 / 282 | |
| Equity / Assets | 8.75% | 8.47% | 9.60% | 11.29% | Beats 30% | 196 / 282 | |
| Liquidity & Funding |
| Loans / Deposits | 135.30% | 71.71% | 84.91% | 96.69% | 98th pctl | 5 / 282 | |
| Loans / Assets | 84.32% | 62.45% | 70.53% | 79.09% | 92nd pctl | 23 / 282 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |