BlastPoint's Banking Scorecard

Savannah Bank National Association

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

Savannah, NY

5 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits -2.3% year over year ($170.3M on the books).
Delinquency rate 0.23%.
Return on assets 0.66%.
Efficiency ratio 79.98% vs a 64.48% peer average.
Loan-to-deposit ratio 52.83% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

Savannah Bank National Association 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

+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 6.0% in tier
- Deposit Outflow: Bottom 27.5% in tier
- ROA 0.66% below tier average
- Net Interest Margin 0.84% below tier average
- Efficiency Ratio 15.50% above tier average

Get updates when Savannah Bank National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$187.2M -1.6% YoY -2.8% QoQ	-$199.4M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$89.9M -3.9% YoY -2.4% QoQ	-$168.4M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	Bottom 14.8% in tier
Total Deposits ?	$170.3M -2.3% YoY -2.8% QoQ	-$156.5M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	0.66% -1.7% YoY +74.3% QoQ	-0.66%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	17%
Net Interest Margin ?	3.14% +3.3% YoY +7.2% QoQ	-0.84%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Bottom 14.3% in tier
Efficiency Ratio ?	79.98% +2.8% YoY -7.7% QoQ	+15.50%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 13.7% in tier
Delinquency Rate ?	0.23% -63.6% YoY -78.1% QoQ	-0.69%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	63%
Loan-to-Deposit Ratio ?	52.83% -1.7% YoY +0.4% QoQ	-25.12%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Top 10.7% in tier
Non-Interest-Bearing Deposit Share ?	21.56% -5.9% YoY +3.3% QoQ	-0.47%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	52%
Nonperforming Asset Ratio ?	0.11% -64.4% YoY -78.0% QoQ	-0.56%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	70%
Tier 1 Capital Ratio ?	17.81% +8.5% YoY +4.6% QoQ	+1.90%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.09% +5.9% YoY +115.8% QoQ	-0.47%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	16%

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	21.6% -1.4pp YoY +0.7pp QoQ	-0.6pp	22.1%	22.1%	22.2%	52%
Brokered Deposits	12.8% +0.3pp YoY +0.4pp QoQ	+4.9pp	7.9%	8.0%	8.5%	81%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	17.1% +1.9pp YoY -0.3pp QoQ	+5.5pp	11.6%	11.0%	12.5%	82%
CRE	n/a	n/a	39.5%	46.2%	41.4%	n/a
1-4 Family	54.6% -0.9pp YoY 0.0pp QoQ	+22.0pp	32.6%	36.6%	31.3%	86%
Consumer	1.3% -0.1pp YoY 0.0pp QoQ	-2.8pp	4.1%	5.1%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	17.8% +1.4pp YoY +0.8pp QoQ	-1.0pp	18.8%	26.1%	19.7%	68%
Leverage Ratio	8.9% +0.3pp YoY +0.3pp QoQ	-3.3pp	12.2%	13.9%	12.6%	11%
Total Capital Ratio	19.1% +1.4pp YoY +0.8pp QoQ	-0.9pp	19.9%	27.2%	20.8%	69%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	33 0 YoY +1 (+3.1%) QoQ	-26	58	914	482	31%
Assets per Employee ($)	$5.7M -1.6% YoY -5.8% QoQ	-$1.8M	$7.5M	$14.8M	$8.8M	26%
Branch Count	5 0 YoY 0 QoQ	0	4	27	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.2% -0.4pp YoY -0.8pp QoQ	-0.7pp	0.9%	1.3%	1.0%	33%
Allowance Coverage	5.82x +179.9% YoY +379.0% QoQ	-18.33x	24.15x	1.92x	20.23x	73%
Net Charge-off Rate (YTD)	-0.1% -0.1pp YoY -0.1pp QoQ	-0.2pp	0.1%	0.1%	0.2%	5%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	9.0% -1.4pp YoY +3.8pp QoQ	-3.2pp	12.2%	7.9%	11.6%	31%
Cost of Funds (YTD)	1.8% 0.0pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	60%
Net Income ($, YTD)	$630,000 +0.2% YoY — QoQ	-$1.9M	$2.6M	$111.2M	$40.4M	14%

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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)

Flatlined Growth

risk

#33 of 529 • Bottom 6.0% 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: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Deposit Outflow

decline

#148 of 535 • Bottom 27.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

284

Loan-to-Deposit Ratio

liquidity

Value: 52.83%

Peer Median: 77.95%

#284 of 2643 Top 10.7% in $100M-$1B

519

Tier 1 Capital Ratio

capital

Value: 17.81%

Peer Median: 15.91%

#519 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (6 metrics)

2282

Efficiency Ratio

profitability

Value: 79.98%

Peer Median: 64.48%

#2282 of 2643 Bottom 13.7% in $100M-$1B

2266

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.99%

#2266 of 2643 Bottom 14.3% in $100M-$1B

2252

Total Loans

size

Value: $89.95M

Peer Median: $258.35M

#2252 of 2643 Bottom 14.8% in $100M-$1B

2223

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2223 of 2643 Bottom 15.9% in $100M-$1B

2188

Return on Assets

profitability

Value: 0.66%

Peer Median: 1.32%

#2188 of 2643 Bottom 17.3% in $100M-$1B

2032

Total Assets

size

Value: $187.17M

Peer Median: $386.57M

#2032 of 2643 Bottom 23.2% in $100M-$1B