Savannah Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Savannah Bank, N.A. is an FDIC-insured commercial bank headquartered in Savannah, NY, established in 1925 (FDIC certificate 14619), and it is supervised by the OCC. At Q2 2026 it reported total assets of $187.2M, down 1.6% from Q2 2025, the 94th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 17.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 14619
- Headquarters
- Savannah, NY
- Established
- 1925
- Total assets, Q2 2026
- $187.2M
- Assets vs Q2 2025
- -1.6%
- CET1 ratio, Q2 2026
- 17.81%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 022311117
- Asset rank in state
- 94th of 105 in New York
Savannah Bank, N.A., based in Savannah, New York, reported $187 million in assets at June 30, 2026, down 1.6% from a year earlier. It shrank its loan book 3.9% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also funds 8.92% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.23% of loans from 0.63%. Unrealized losses on its securities total $3.3 million, equal to 19% of Tier 1 capital, against 22% a year earlier. Its margin is thin by comparison: it keeps 3.28 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Savannah Bank, N.A. reported a CET1 capital ratio of 17.81%, a return on assets of 0.92%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.37%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Savannah Bank, N.A. is the 94th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.8% to $187.2M, loans fell 2.3% and deposits fell 2.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 53.9% of total loans, ahead of commercial and industrial loans at 16.9%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in NY; its Savannah office books 33% of its branch deposits. On its Q2 2026 call report, Savannah Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1565 N Main St, Savannah, NY 13146
- County
- Wayne
- Metro Area
- Rochester, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1925
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $170.3M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- -$25K
- Average total assets
- $194.6M
- Average total loans
- $92.0M
- Average interest-bearing deposits
- $138.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 21, 1934
- FDIC Cert
- 14619
- Fed RSSD
- 647414
- Website
- http://www.savannahbankny.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Savannah Bank, N.A.'s total assets ran between $171.5M (Q2 2024) and $192.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$187.2M total assets against $190.2M; $173.2M total liabilities against $177.5M.
$89.9M net loans and leases against $93.6M; $170.3M total deposits against $174.2M.
$76.0M securities against $69.0M; $18.1M cash and balances due against $24.7M.
$2.4M total interest income against $2.3M; $822K total interest expense against $846K.
$1.5M net interest income against $1.4M.
$90K total noninterest income against $86K; $1.2M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$448K net income against $399K.
0.92% return on assets against 0.84%; 3.28% net interest margin against 3.16%.
17.81% CET1 capital ratio against 16.41%; 8.92% tier 1 leverage ratio against 8.60%.
Inside the full Savannah Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSavannah Bank, N.A. rankings
Its closest position to the top of a national ranking is 500 of 2,134, for CET1 ratio; its furthest is 2,930 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.31% (Q3 2024) to 0.92% (Q2 2026) and its net interest margin ran from 2.71% (Q4 2024) to 3.28% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.81% | 0.92% | 0.23% | 1.37% | 3.28% |
| Q1 2026 | 17.03% | 0.37% | 1.05% | 6.55% | 2.84% |
| Q4 2025 | 17.05% | 0.34% | 1.19% | 7.29% | 2.80% |
| Q3 2025 | 16.95% | 0.51% | 0.69% | 4.34% | 2.93% |
| Q2 2025 | 16.41% | 0.84% | 0.63% | 4.28% | 3.16% |
| Q1 2025 | 16.45% | 0.49% | 1.03% | 7.14% | 2.86% |
| Q4 2024 | 16.44% | 0.31% | 0.63% | 4.65% | 2.71% |
| Q3 2024 | 16.09% | 0.31% | 0.57% | 4.09% | 2.73% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Savannah Bank National Association | Savannah , NY | 13146 | $56.3M |
| Port Byron Branch | Port Byron , NY | 13140 | $47.8M |
| Auburn Branch | Auburn , NY | 13021 | $29.9M |
| Fair Haven Branch | Fair Haven , NY | 13064 | $22.5M |
| Waterloo Branch | Waterloo , NY | 13165 | $13.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 136 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Savannah Bank, N.A.
What are Savannah Bank, N.A.'s total assets?
As of the Q2 2026 filing, Savannah Bank, N.A. reported total assets of $187.2 million in its FFIEC call report.
Where is Savannah Bank, N.A. headquartered?
It is headquartered in Savannah, NY, United States.
When was Savannah Bank, N.A. founded?
It was established in 1925, per the FDIC institution directory.
Is Savannah Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14619). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Savannah Bank, N.A.?
Savannah Bank, N.A.'s primary federal regulator is the OCC.
What is Savannah Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Savannah Bank, N.A. operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Savannah Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 1.37% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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