Solvay Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Solvay Bank of Solvay, NY against its peer group of 941 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 | 0.86% | 1.34% | -0.48% | 19th bottom |
| ROAE | 11.05% | 12.34% | -1.29% | 39th below |
| Net Interest Margin | 2.50% | 3.83% | -1.33% | 5th bottom |
| Efficiency Ratio | 72.26% | 58.97% | +13.29% | 15th bottom |
| PPNR / Avg Assets | 0.78% | — | — | 7th bottom |
| Yield on Earning Assets | 4.21% | 5.71% | -1.50% | 3rd bottom |
| Cost of Funds | 1.81% | 2.02% | -0.21% | 61st above |
| Net Interest Spread | 1.83% | — | — | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.87% | -0.76% | 86th top |
| NPA / Total Assets | 0.07% | — | — | 88th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 1.05% | — | — | 36th below |
| ACL / NPLs (Coverage) | 937.51% | — | — | 88th top |
| Texas Ratio | 0.83% | 5.48% | -4.65% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.53% | 11.11% | -1.58% | 23rd bottom |
| Equity / Assets | 7.84% | 11.02% | -3.18% | 6th bottom |
| TCE / Tangible Assets | 7.84% | — | — | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.62% | 86.99% | -16.37% | 85th top |
| Core Deposit Ratio | 81.33% | 85.57% | -4.24% | 24th bottom |
| Uninsured Deposit Ratio | 38.23% | 33.19% | +5.04% | 32nd below |
| Wholesale Funding Ratio | 1.83% | — | — | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.41% | — | — | 23rd bottom |
| Loan Growth (Y/Y) | 2.54% | — | — | 30th below |
| Deposit Growth (Y/Y) | 1.38% | — | — | 25th below |
See Solvay Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Solvay Bank, 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 Solvay Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Solvay Bank peer analysis.