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Schuyler Savings Bank

Kearny, NJ · Cert 30072 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)

SI · FDIC · 2 branches

Q2 2026

$151.2MAssets
$128.0MLoans
$118.0MDeposits
$21.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: net interest margin trails 81% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 25 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.19%

Rank 22 of 31

Net Interest Margin

2.48%

Rank 25 of 31

Efficiency Ratio

90.92%

Rank 22 of 31

Equity / Assets

13.96%

Rank 14 of 31

Non-interest income vs. expense

$0.2M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 32% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 90.92%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.19%-0.02%0.39%0.84%Beats 29%22 / 31
Return on Equity1.38%-0.19%2.57%5.72%Beats 32%21 / 31
Net Interest Margin2.48%2.51%3.30%3.85%Beats 19%25 / 31
Efficiency Ratio90.92%68.41%83.66%91.76%Beats 32%22 / 31
Asset Quality
Nonperforming Loans / Loans0.36%0.18%0.47%2.65%Beats 60%13 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio14.07%13.24%15.54%26.77%Beats 35%20 / 31
Total Risk-Based Capital Ratio14.07%14.07%16.32%26.77%Beats 23%24 / 31
Equity / Assets13.96%10.38%13.26%17.83%Beats 55%14 / 31
Liquidity & Funding
Loans / Deposits108.46%84.03%94.98%103.65%84th pctl5 / 31
Loans / Assets84.67%61.61%75.31%83.78%84th pctl5 / 31
Brokered Deposits / Depositsn/aNot reported for this institution