SAVANNAH BANK, N.A.

SAVANNAH, NY | Small | Est. Jan. 1, 1925, midnight | FDIC #14619 | RSSD #647414 | OCC
Latest Report: 2025-12-31

SAVANNAH BANK, N.A. is asn small FDIC-insured commercial bank headquartered in SAVANNAH, NY, established in Jan. 1, 1925, midnight. As of 2025-12-31, the bank reported total assets of $189M and total deposits of $171M. Profitability stands at 0.35% ROA and 4.74% ROE, with a net interest margin of 2.96%. The bank's CET1 capital ratio is 17.05%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.19% and a Texas Ratio of 7.29%. FDIC Certificate #14619.

Assets

$189M

Deposits

$171M

Loans

$93M

Equity

$14M

Profitability

Return on Assets (ROA) 0.35%
Return on Equity (ROE) 4.74%
Net Interest Margin (NIM) 2.96%
Yield on Assets 5.10%
Cost of Funds 2.17%

Asset Quality

NPL Ratio 1.19%
Net Charge-Off Ratio 0.05%
Texas Ratio 7.29%
NPA Ratio 0.59%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 17.05%
Tier 1 Capital 17.05%
Total Capital Ratio 18.27%
Leverage Ratio 8.69%
Loan-to-Deposit 54.35%

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