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Solvay Bank

$1B-$10B Specialty: Commercial NY FDIC cert 13297

Designations: ✓ Community bank

Solvay, NY

10 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
  • Deposits +1.4% year over year ($1.1B on the books).
  • Delinquency rate 0.11%.
  • Return on assets 0.76%.
  • Efficiency ratio 72.57% vs a 59.73% peer average.
  • Loan-to-deposit ratio 69.88% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY
View $1B-$10B leaderboard (NY) →

Solvay Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 32.1% in tier

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 7.2% in tier
  • - Flatlined Growth: Bottom 32.7% in tier
  • - Net Interest Margin 1.30% below tier average
  • - ROA 0.63% below tier average
  • - Efficiency Ratio 12.84% above tier average
Get updates when Solvay Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $1.2B
+1.4% YoY +0.6% QoQ
-$1.6B $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
17%
Total Loans ? $748.7M
+2.6% YoY +3.9% QoQ
-$1.2B $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
Bottom 10.5% in tier
Total Deposits ? $1.1B
+1.4% YoY -0.8% QoQ
-$1.2B $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 0.76%
+85.1% YoY +15.6% QoQ
-0.63% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 2.57%
+19.0% YoY -1.4% QoQ
-1.30% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 5.3% in tier
Efficiency Ratio ? 72.57%
-10.3% YoY +0.2% QoQ
+12.84% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 0.11%
-0.4% YoY +38.8% QoQ
-0.75% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
Top 13.6% in tier
Loan-to-Deposit Ratio ? 69.88%
+1.2% YoY +4.8% QoQ
-15.16% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
84%
Non-Interest-Bearing Deposit Share ? 24.88%
+4.3% YoY +0.5% QoQ
+3.61% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
71%
Nonperforming Asset Ratio ? 0.07%
+0.8% YoY +43.4% QoQ
-0.60% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
Top 11.1% in tier
Tier 1 Capital Ratio ? 9.53%
+1.7% YoY +3.2% QoQ
-5.31% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Bottom 2.0% in tier
Non-Interest Income / Assets ? 0.23%
+2.0% YoY +108.3% QoQ
-0.30% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
38%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 24.9%
+1.0pp YoY
+0.1pp QoQ
 +3.5pp 21.4% 22.1% 22.2% 71%
Brokered Deposits 0.8%
-1.6pp YoY
-0.2pp QoQ
 -8.7pp 9.5% 8.0% 8.5% 16%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 13.2%
+1.1pp YoY
+1.0pp QoQ
 -0.8pp 14.0% 11.0% 12.5% 61%
CRE 29.5%
-0.3pp YoY
-0.3pp QoQ
 -20.5pp 50.0% 46.2% 41.4% 11%
1-4 Family 45.7%
0.0pp YoY
-0.9pp QoQ
 +19.3pp 26.4% 36.6% 31.3% 87%
Consumer 12.1%
-0.9pp YoY
0.0pp QoQ
 +7.4pp 4.7% 5.1% 5.0% 91%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 26.1% 19.7% n/a
Leverage Ratio 9.5%
+0.2pp YoY
+0.3pp QoQ
 -1.8pp 11.3% 13.9% 12.6% 23%
Total Capital Ratio n/a n/a 16.7% 27.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 149
-3 (-2.0%) YoY
-1 (-0.7%) QoQ
 -165 313 914 482 22%
Assets per Employee ($) $8.0M
+3.5% YoY
+1.3% QoQ
 -$2.4M $10.5M $14.8M $8.8M 40%
Branch Count 10
+1 (+11.1%) YoY
0 QoQ
 -10 20 27 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.1% 0.4% 60%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.8% 1.3% 1.0% 7%
Allowance Coverage 9.38x
-2.2% YoY
-29.8% QoQ
 -9.33x 18.71x 1.92x 20.23x 88%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 7%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 9.7%
+3.9pp YoY
+1.3pp QoQ
 -2.9pp 12.6% 7.9% 11.6% 31%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.9% 1.8% 1.7% 39%
Net Income ($, YTD) $4.5M
+86.3% YoY
— QoQ
 -$14.7M $19.2M $111.2M $40.4M 10%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#72 of 221 • Top 32.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.11%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk
#17 of 222 • Bottom 7.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.53%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Flatlined Growth

risk
#54 of 162 • Bottom 32.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.76%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

99
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#99 of 885 Top 11.1% in $1B-$10B
121
Delinquency Rate
credit_quality
Value: 0.11%
Peer Median: 0.87%
#121 of 882 Top 13.6% in $1B-$10B
139
Loan-to-Deposit Ratio
liquidity
Value: 69.88%
Peer Median: 85.04%
#139 of 885 Top 15.6% in $1B-$10B

Top Weaknesses (7 metrics)

868
Tier 1 Capital Ratio
capital
Value: 9.53%
Peer Median: 14.84%
#868 of 885 Bottom 2.0% in $1B-$10B
839
Net Interest Margin
profitability
Value: 2.57%
Peer Median: 3.87%
#839 of 885 Bottom 5.3% in $1B-$10B
793
Total Loans
size
Value: $748.66M
Peer Median: $1.96B
#793 of 885 Bottom 10.5% in $1B-$10B
739
Return on Assets
profitability
Value: 0.76%
Peer Median: 1.39%
#739 of 885 Bottom 16.6% in $1B-$10B
735
Efficiency Ratio
profitability
Value: 72.57%
Peer Median: 59.73%
#735 of 885 Bottom 17.1% in $1B-$10B
735
Total Assets
size
Value: $1.20B
Peer Median: $2.79B
#735 of 885 Bottom 17.1% in $1B-$10B
702
Total Deposits
size
Value: $1.07B
Peer Median: $2.32B
#702 of 885 Bottom 20.8% in $1B-$10B
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