Savannah Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Savannah Bank, N.A. of Savannah, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.92% | 1.34% | -0.42% | 29th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.90% | 13.31% | -0.41% | 53rd above |
| Net Interest Margin | 3.28% | 3.93% | -0.65% | 19th bottom |
| Efficiency Ratio | 72.78% | 61.14% | +11.64% | 23rd bottom |
| PPNR / Avg Assets | 0.86% | 1.68% | -0.82% | 16th bottom |
| Yield on Earning Assets | 5.02% | 5.67% | -0.65% | 24th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.85% | 1.88% | -0.03% | 46th below |
| Net Interest Spread | 2.65% | 3.32% | -0.67% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.94% | -0.71% | 62nd above |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 68th above |
| NCO / Avg Loans | -0.12% | 0.16% | -0.28% | 97th top |
| ACL / Total Loans | 1.33% | 1.28% | +0.05% | 66th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 582.30% | 1538.86% | -956.56% | 74th above |
| Texas Ratio | 1.37% | 7.33% | -5.96% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.81% | 19.50% | -1.69% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.81% | 19.54% | -1.73% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.06% | 20.62% | -1.56% | 69th above |
| Leverage Ratio | 8.92% | 12.14% | -3.22% | 11th bottom |
| Equity / Assets | 7.49% | 11.38% | -3.89% | 9th bottom |
| TCE / Tangible Assets | 7.49% | 11.09% | -3.60% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.55% | 80.64% | -27.09% | 89th top |
| Core Deposit Ratio | 76.90% | 86.86% | -9.96% | 11th bottom |
| Wholesale Funding Ratio | 1.39% | 5.03% | -3.64% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.58% | 6.85% | -8.43% | 12th bottom |
| Loan Growth (Y/Y) | -3.88% | 7.90% | -11.78% | 10th bottom |
| Deposit Growth (Y/Y) | -2.27% | 6.29% | -8.56% | 13th bottom |
See Savannah Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Savannah Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Savannah Bank, N.A. profile, how to read a UBPR, or how this data updates.