Advertisement
Solvay Bank
Solvay, NY · FDIC Certificate #13297 · Chartered 03/1
Total assets
$1.20B
Total deposits
$1.07B
Total equity
$93.94M
Net loans
$748.66M
Branches (offices)
10
Net income (YTD)
$4.53M
Rank: #894 of 4,213 U.S. banks by assets · #55 of 115 in New York. Assets changed 1.4% and deposits 1.4% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.76% |
| Return on equity | 9.73% |
| Net interest margin (YTD) | 2.57% |
| Equity to assets | 7.84% |
| Tier 1 leverage ratio | 9.53% |
| Uninsured deposits (share of deposits) | 38.2% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 69.9% |
| Real estate loans (share of loans) | 75.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $563.53M | 75.3% | |
| Commercial & industrial | $99.02M | 13.2% | |
| Consumer / individual | $90.42M | 12.1% | |
| Construction & development | $25.52M | 3.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.13B | $1.04B | $5.35M | $76.72M |
| Jun 2023 | $1.12B | $961.73M | $4.36M | $71.83M |
| Jun 2024 | $1.18B | $1.05B | $3.32M | $75.83M |
| Jun 2025 | $1.18B | $1.06B | $2.43M | $87.04M |
| Jun 2026 | $1.20B | $1.07B | $4.53M | $93.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $1.07B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.07B.
Similar-sized banks
Citizens Bank & Trust ($1.20B) · Commerce West Bank ($1.20B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement