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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

$5.2M$15.0MINCOMEEXPENSE
Unfavorable gap of $9.8M · efficiency ratio beats 86% of banks $1B-$10B in assets operating in a single state
Bank 51.77%Peer median 67.1%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.78%0.53%0.88%1.23%Beats 41%167 / 282
Return on Equity8.96%5.95%8.98%12.11%Beats 49%142 / 281
Net Interest Margin2.08%2.48%2.88%3.44%Beats 10%254 / 282
Efficiency Ratio51.77%57.32%67.09%76.33%Beats 86%40 / 282
Asset Quality
Nonperforming Loans / Loans0.18%0.13%0.34%0.82%Beats 66%96 / 282
Net Charge-Offs / Loans0.17%0.01%0.03%0.10%Beats 17%235 / 282
Capital
Tier 1 Capital Ratio12.04%11.48%13.06%14.94%Beats 33%188 / 282
Total Risk-Based Capital Ratio13.24%12.24%13.97%15.89%Beats 38%174 / 282
Equity / Assets8.75%8.47%9.60%11.29%Beats 30%196 / 282
Liquidity & Funding
Loans / Deposits135.30%71.71%84.91%96.69%98th pctl5 / 282
Loans / Assets84.32%62.45%70.53%79.09%92nd pctl23 / 282
Brokered Deposits / Depositsn/aNot reported for this institution