Solvay Bank
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Data as of · sourced from FFIEC call reports. How we update
Solvay Bank is an FDIC-insured commercial bank headquartered in Solvay, NY, established in 1917 (FDIC certificate 13297), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.20B, up 1.4% from Q2 2025, the 49th largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13297
- Headquarters
- Solvay, NY
- Established
- 1917
- Total assets, Q2 2026
- $1.20B
- Assets vs Q2 2025
- +1.4%
- Tier 1 leverage ratio, Q2 2026
- 9.53%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 021309735
- Latest call report
- Q2 2026, FFIEC 051 · Solvay Bank call report
- Holding company
- SOLVAY BANK CORP.
- Asset rank in state
- 49th of 105 in New York
Solvay Bank, based in Solvay, New York, reported $1.2 billion in assets at June 30, 2026, up 1.4% from a year earlier. It keeps 2.50 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it carries problem assets equal to 0.8% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $2.6 million, 108% above the same quarter a year earlier. Unrealized losses on its securities total $29 million, equal to 25% of Tier 1 capital, against 29% a year earlier. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Solvay Bank reported a return on assets of 0.86%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.83%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Solvay Bank is the 49th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $1.20B, loans rose 3.9% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 45.3% of total loans, followed by non-owner-occupied commercial real estate loans at 14.3%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities in NY; its Solvay office books 39% of its branch deposits. Judged on its Q2 2026 call report, Solvay Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1537 Milton Ave, Solvay, NY 13209
- County
- Onondaga
- Metro Area
- Syracuse, NY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 17, 1917
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 149
- Domestic deposits
- $1.07B
- Allowance for credit losses
- $7.9M
- Net charge-offs (YTD)
- -$32K
- Average total assets
- $1.20B
- Average total loans
- $742.3M
- Average interest-bearing deposits
- $800.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13297
- Fed RSSD
- 722816
- SEC CIK
- 809754 → filed by SOLVAY BANK CORP.
- Website
- www.solvaybank.com →
- Parent Holding Company
- SOLVAY BANK CORP. (RSSD 1143342)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Solvay Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Solvay Bank's total assets moved between a low of $1.14B (Q4 2023) and a high of $1.28B (Q3 2024) from Q3 2023 to Q2 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
$1.20B total assets against $1.18B; $1.10B total liabilities against $1.09B.
$748.7M net loans and leases against $730.0M; $1.07B total deposits against $1.06B.
$363.2M securities against $369.7M; $28.1M cash and balances due against $25.5M.
$12.1M total interest income against $11.6M; $4.9M total interest expense against $5.5M.
$7.2M net interest income against $6.1M.
$1.5M total noninterest income against $1.3M; $6.3M total noninterest expense against $6.1M.
$44K provision for credit losses against -$98K.
$2.6M net income against $1.2M.
0.86% return on assets against 0.42%; 2.50% net interest margin against 2.16%.
9.53% tier 1 leverage ratio against 9.37%.
Inside the full Solvay Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSolvay Bank rankings
Its closest position to the top of a national ranking is 886 of 4,196, for total assets; its furthest is 2,895 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.23% (Q3 2024) to 0.86% (Q2 2026) and its net interest margin ran from 1.89% (Q3 2024) to 2.50% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.53% | 0.86% | 0.11% | 0.83% | 2.50% |
| Q1 2026 | 9.23% | 0.64% | 0.08% | 0.58% | 2.50% |
| Q4 2025 | 9.23% | 0.54% | 0.08% | 0.58% | 2.42% |
| Q3 2025 | 9.22% | 0.61% | 0.09% | 0.68% | 2.28% |
| Q2 2025 | 9.37% | 0.42% | 0.11% | 0.87% | 2.16% |
| Q1 2025 | 9.26% | 0.40% | 0.10% | 0.82% | 2.08% |
| Q4 2024 | 9.08% | 0.24% | 0.10% | 0.78% | 1.95% |
| Q3 2024 | 9.12% | 0.23% | 0.09% | 0.71% | 1.89% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Solvay Bank (main office) | Solvay , NY | 13209 | $421.1M |
| Syracuse Branch | Syracuse , NY | 13202 | $183.3M |
| Westvale Smart Branch | Syracuse , NY | 13219 | $114.8M |
| Camillus Branch | Camillus , NY | 13031 | $74.8M |
| North Syracuse Branch | North Syracuse , NY | 13212 | $62.8M |
| Liverpool Branch | Liverpool , NY | 13090 | $58.2M |
| Dewitt Branch | Fayetteville , NY | 13066 | $53.7M |
| Baldwinsville Branch | Baldwinsville , NY | 13027 | $52.8M |
| Cicero Branch | Cicero , NY | 13039 | $45.8M |
| East Syracuse Smart Branch | East Syracuse , NY | 13057 | $4.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 80 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 273 applications, 214 loans originated, $54.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $4.8M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Solvay Bank
What are Solvay Bank's total assets?
As of the Q2 2026 filing, Solvay Bank reported total assets of $1.20 billion in its FFIEC call report.
Where is Solvay Bank headquartered?
It is headquartered in Solvay, NY, United States.
When was Solvay Bank founded?
It was established in 1917, per the FDIC institution directory.
Is Solvay Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Solvay Bank?
Solvay Bank's primary federal regulator is the Federal Reserve.
How many branches does Solvay Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Solvay Bank's Texas Ratio?
Its Texas Ratio is 0.83% 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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