BlastPoint's Banking Scorecard

Savannah Bank National Association

$100M-$1B Specialty: Other NY FDIC cert 14619

Savannah, NY

5 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Savannah Bank National Association faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 26.6% in tier
- Credit Quality Pressure: Bottom 37.3% in tier
- Net Interest Margin 1.00% below tier average
- ROA 0.89% below 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 ?	$192.6M +3.6% YoY +1.6% QoQ	-$193.5M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	25%
Total Loans ?	$92.1M -0.2% YoY +0.2% QoQ	-$163.6M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$175.2M +3.2% YoY +2.2% QoQ	-$152.8M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	28%
Return on Assets ?	0.38% -23.7% YoY -31.3% QoQ	-0.89%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 10.1% in tier
Net Interest Margin ?	2.93% +0.5% YoY -1.2% QoQ	-1.00%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Bottom 9.5% in tier
Efficiency Ratio ?	86.64% +6.5% YoY +6.2% QoQ	+21.35%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 9.0% in tier
Delinquency Rate ?	1.06% +2.0% YoY -12.2% QoQ	+0.18%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	27%
Loan-to-Deposit Ratio ?	52.60% -3.3% YoY -2.0% QoQ	-24.04%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Top 11.6% in tier
Non-Interest-Bearing Deposit Share ?	20.87% -12.9% YoY +1.6% QoQ	-1.15%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	0.51% -1.8% YoY -13.4% QoQ	-0.13%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	17.03% +3.5% YoY -0.2% QoQ	+1.20%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.04% +0.2% YoY -75.7% QoQ	-0.24%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	16%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#111 of 414 • Bottom 26.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 86.64%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Credit Quality Pressure

risk

#489 of 1308 • Bottom 37.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 1.06%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

310

Loan-to-Deposit Ratio

liquidity

Value: 52.60%

Peer Median: 76.64%

#310 of 2664 Top 11.6% in $100M-$1B

613

Tier 1 Capital Ratio

capital

Value: 17.03%

Peer Median: 15.83%

#613 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (6 metrics)

2425

Efficiency Ratio

profitability

Value: 86.64%

Peer Median: 65.29%

#2425 of 2664 Bottom 9.0% in $100M-$1B

2412

Net Interest Margin

profitability

Value: 2.93%

Peer Median: 3.93%

#2412 of 2664 Bottom 9.5% in $100M-$1B

2396

Return on Assets

profitability

Value: 0.38%

Peer Median: 1.27%

#2396 of 2664 Bottom 10.1% in $100M-$1B

2251

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2251 of 2664 Bottom 15.5% in $100M-$1B

2222

Total Loans

size

Value: $92.13M

Peer Median: $255.72M

#2222 of 2664 Bottom 16.6% in $100M-$1B

2009

Total Assets

size

Value: $192.58M

Peer Median: $386.08M

#2009 of 2664 Bottom 24.6% in $100M-$1B