Savannah Bank National Association: how it compares with its peers
Against 24 NY banks with half to twice its assets, Savannah Bank National Association's strongest measure in Q2 2026 is return on assets (0.66% vs. a 0.83% peer median). Its weakest relative measure is net interest margin (3.14% vs. 3.99%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.66% | 0.83% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.14% | 3.99% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.98% | 70.18% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.5M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.83% | 91.62% | Context |
What it means for lending operations
Its efficiency ratio of 79.98% is above the 70.18% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Federal Savings of Middletown Middletown, NY · $188M
- Bank of Richmondville Cobleskill, NY · $186M
- The Putnam County National Bank of Carmel Carmel, NY · $183M
- Gouverneur Savings and Loan Association Gouverneur, NY · $199M
- Massena Savings and Loan Massena, NY · $200M
Questions about Savannah Bank National Association
How big is Savannah Bank National Association?
Savannah Bank National Association, established in 1925, is headquartered in Savannah, NY. It reported $187M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Savannah Bank National Association's return on assets?
0.66% annualized in Q2 2026, against a 0.83% median for 24 NY banks with half to twice its assets, ahead of 42% of them.
What is Savannah Bank National Association's efficiency ratio?
79.98% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 70.18%, and lower is better.
Is Savannah Bank National Association growing its loans?
Net loans shrank 3.9% over the year to Q2 2026, while deposits shrank 2.3%.
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.