BlastPoint's Banking Scorecard

Solvay Bank

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

Designations: ✓ Community bank

Solvay, NY

10 branches across NY

883 banks in the $1B-$10B peer group nationally 38 in NY

Solvay Bank has 2 strengths 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 47.7% in tier
+ Nonperforming Asset Ratio 0.63% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 5.9% in tier
- Flatlined Growth: Bottom 25.3% in tier
- Net Interest Margin 1.21% below tier average
- ROA 0.71% below tier average
- Efficiency Ratio 11.37% above tier average

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Core Metrics

As of 2026-Q1

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 -0.1% YoY	$19.3B +16.2% YoY	$6.2B +9.0% YoY	16%
Total Loans ?	$720.6M -0.3% YoY -2.0% QoQ	-$1.2B	$2.0B +0.6% YoY	$8.1B +13.6% YoY	$3.2B +10.7% YoY	Bottom 8.9% in tier
Total Deposits ?	$1.1B +3.1% YoY +1.5% QoQ	-$1.3B	$2.3B -0.3% YoY	$15.1B +14.9% YoY	$4.8B +8.0% YoY	22%
Return on Assets ?	0.66% +63.5% YoY +33.1% QoQ	-0.71%	1.37% +19.6% YoY	0.86% +11.9% YoY	1.24% +13.1% YoY	Bottom 14.9% in tier
Net Interest Margin ?	2.60% +22.3% YoY +14.9% QoQ	-1.21%	3.82% +6.9% YoY	3.45% +6.7% YoY	3.89% +5.7% YoY	Bottom 6.8% in tier
Efficiency Ratio ?	72.43% -9.6% YoY -6.2% QoQ	+11.37%	61.05% -4.6% YoY	69.17% -2.9% YoY	66.84% -3.8% YoY	19%
Delinquency Rate ?	0.08% -22.4% YoY +1.7% QoQ	-0.81%	0.89% +14.1% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	Top 9.7% in tier
Loan-to-Deposit Ratio ?	66.70% -3.3% YoY -3.4% QoQ	-17.50%	84.20% +0.3% YoY	77.98% +0.6% YoY	76.69% +0.9% YoY	Top 13.9% in tier
Non-Interest-Bearing Deposit Share ?	24.75% +4.4% YoY -6.6% QoQ	+3.47%	21.28% -2.5% YoY	21.94% +0.9% YoY	22.01% -1.1% YoY	71%
Nonperforming Asset Ratio ?	0.05% -23.7% YoY -0.9% QoQ	-0.63%	0.67% +15.6% YoY	0.73% +4.7% YoY	0.66% +19.3% YoY	Top 8.4% in tier
Tier 1 Capital Ratio ?	9.23% -0.4% YoY +0.0% QoQ	-5.94%	15.17% +2.0% YoY	24.83% +10.3% YoY	17.06% +0.8% YoY	Bottom 1.2% in tier
Non-Interest Income / Assets ?	0.11% -2.6% YoY -77.5% QoQ	-0.15%	0.26% +1.6% YoY	0.21% +8.5% YoY	0.32% +4.0% YoY	37%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#106 of 220 • Top 47.7% in tier

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

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Capital Thin

risk

#14 of 221 • Bottom 5.9% 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: 9.23%

(Tier: 15.17%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#39 of 150 • Bottom 25.3% 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: 0.66%

(Tier: 1.37%, National: 1.24%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +33 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).

Compare against:

Comparing against 883 peers in $1B-$10B

Top Strengths (3 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.67%

#75 of 883 Top 8.4% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#86 of 879 Top 9.7% in $1B-$10B

124

Loan-to-Deposit Ratio

liquidity

Value: 66.70%

Peer Median: 84.20%

#124 of 883 Top 13.9% in $1B-$10B

Top Weaknesses (7 metrics)

873

Tier 1 Capital Ratio

capital

Value: 9.23%

Peer Median: 15.17%

#873 of 883 Bottom 1.2% in $1B-$10B

824

Net Interest Margin

profitability

Value: 2.60%

Peer Median: 3.82%

#824 of 883 Bottom 6.8% in $1B-$10B

805

Total Loans

size

Value: $720.64M

Peer Median: $1.97B

#805 of 883 Bottom 8.9% in $1B-$10B

752

Return on Assets

profitability

Value: 0.66%

Peer Median: 1.37%

#752 of 883 Bottom 14.9% in $1B-$10B

742

Total Assets

size

Value: $1.19B

Peer Median: $2.82B

#742 of 883 Bottom 16.1% in $1B-$10B

715

Efficiency Ratio

profitability

Value: 72.43%

Peer Median: 61.05%

#715 of 883 Bottom 19.1% in $1B-$10B

693

Total Deposits

size

Value: $1.08B

Peer Median: $2.34B

#693 of 883 Bottom 21.6% in $1B-$10B