BlastPoint's Banking Scorecard
Solvay Bank
Community
Specialty: Commercial
NY
FDIC cert 13297
Solvay, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Solvay Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32% in Community
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 5% in Community
- - Capital Thin: Bottom 11% in Community
- - Net Interest Margin 1.40% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
-0.8% YoY
-7.0% QoQ
|
-$207.6M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$735.3M
+3.5% YoY
+0.0% QoQ
|
-$240.2M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$1.1B
+0.6% YoY
-6.9% QoQ
|
-$99.6M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
0.49%
+25.0% YoY
+4.2% QoQ
|
-0.67% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.27%
+16.8% YoY
+3.6% QoQ
|
-1.40% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
77.24%
-7.3% YoY
-1.0% QoQ
|
+14.61% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.08%
-17.2% YoY
-12.1% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
69.05%
+2.9% YoY
+7.5% QoQ
|
-14.02% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
26.51%
+0.5% YoY
+12.1% QoQ
|
+5.46% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.05%
-13.6% YoY
-5.5% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.50%
-6.9% YoY
+47.0% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#118 of 371 · Top 32% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (3)
Flatlined Growth
risk
#14 of 245 · Bottom 5% in Community
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:
0.49%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#49 of 432 · Bottom 11% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.27%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
82
82th pctile
Loan-to-Deposit Ratio
Current: 69.05% · Tier avg: 83.06%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.51% · Tier avg: 21.05%
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
52
52th pctile
Total Loans
Current: $735.3M · Tier avg: $975.5M
47
47th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
13
13th pctile
Efficiency Ratio
Current: 77.24% · Tier avg: 62.63%
11
11th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.16%
3
3th pctile
Net Interest Margin
Current: 2.27% · Tier avg: 3.66%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.27% · Tier avg: 3.66%
11
11th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.16%
13
13th pctile
Efficiency Ratio
Current: 77.24% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
47
47th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
52
52th pctile
Total Loans
Current: $735.3M · Tier avg: $975.5M
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.51% · Tier avg: 21.05%
82
82th pctile
Loan-to-Deposit Ratio
Current: 69.05% · Tier avg: 83.06%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%