Solvay Bank: how it compares with its peers
Against 35 NY banks with half to twice its assets, Solvay Bank's strongest measure in Q2 2026 is efficiency ratio (72.57% vs. a 73.01% peer median). Its weakest relative measure is net interest margin (2.57% vs. 3.65%).
| Measure | Solvay Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.76% | 0.94% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.57% | 3.65% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.57% | 73.01% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $8.8M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.88% | 88.36% | Context |
What it means for lending operations
Its efficiency ratio of 72.57% is better than the 73.01% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Genesee Regional Bank Rochester, NY · $1.31B
- Amerasia Bank Flushing, NY · $1.08B
- Greene County Commercial Bank Catskill, NY · $1.32B
- Ballston Spa National Bank Ballston Spa, NY · $1.37B
- First Central Savings Bank Glen Cove, NY · $1.03B
- Walden Savings Bank Montgomery, NY · $1.02B
Questions about Solvay Bank
How big is Solvay Bank?
Solvay Bank, established in 1917, is headquartered in Solvay, NY. It reported $1.20B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Solvay Bank's return on assets?
0.76% annualized in Q2 2026, against a 0.94% median for 35 NY banks with half to twice its assets, ahead of 40% of them.
What is Solvay Bank's efficiency ratio?
72.57% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 73.01%, and lower is better.
Is Solvay Bank growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits grew 1.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.