| Metric | Solvay Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +5.5% | -4.1 pts |
| Deposit growth (YoY) | +1.4% | +5.1% | -3.7 pts |
| Loan growth (YoY) | +2.6% | +5.9% | -3.4 pts |
| ROA | 0.76% | 1.26% | -0.5 pts |
| ROE | 9.7% | 12.2% | -2.4 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.20B | $1.07B | $748.7M | $93.9M | $4.5M | 0.76% | 2.57% | 0.07% |
| Q1 2026 | $1.19B | $1.08B | $720.6M | $92.6M | $2.0M | 0.66% | 2.60% | 0.05% |
| Q4 2025 | $1.18B | $1.06B | $735.3M | $92.8M | $5.9M | 0.49% | 2.27% | 0.05% |
| Q3 2025 | $1.27B | $1.14B | $735.0M | $90.4M | $4.3M | 0.47% | 2.19% | 0.05% |
| Q2 2025 | $1.18B | $1.06B | $730.0M | $87.0M | $2.4M | 0.41% | 2.16% | 0.07% |
| Q1 2025 | $1.17B | $1.05B | $722.5M | $84.1M | $1.2M | 0.40% | 2.13% | 0.06% |
| Q4 2024 | $1.19B | $1.06B | $710.5M | $79.6M | $4.8M | 0.40% | 1.94% | 0.06% |
| Q3 2024 | $1.28B | $1.14B | $707.5M | $85.0M | $4.0M | 0.45% | 1.91% | 0.05% |
Loan mix (Q2 2026): real estate $563.5M · commercial $99.0M · consumer $90.4M · securities $363.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Solvay Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 1.26% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.2% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 59.0% | 83rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Solvay Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Solvay Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Solvay Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Solvay Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Solvay Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
9 branches in 1 county across 1 state (+0 vs 2024) · $1.06B branch deposits. Biggest market: Onondaga, NY, ranked 6th with 6.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Onondaga, NY | 9 | $1.06B | 6.15% | 6th |
New York: 93rd with 0.04% · Syracuse metro: 10th, 4.95% ·
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9