Solvay Bank (FDIC certificate #13297) is based in Solvay, New York. Its Q2 2026 call report shows $1.2B in total assets and $1.1B in deposits and 10 offices.
Based on its Q2 2026 filing, Solvay Bank scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 48th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is capital cushion (45/100; 9.53%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (64 → 67), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 64 |
| Q4 2024 | 64 |
| Q1 2025 | 64 |
| Q2 2025 | 64 |
| Q3 2025 | 64 |
| Q4 2025 | 65 |
| Q1 2026 | 66 |
| Q2 2026 | 67 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.14% |
| Q3 2024 | 9.12% |
| Q4 2024 | 9.08% |
| Q1 2025 | 9.26% |
| Q2 2025 | 9.37% |
| Q3 2025 | 9.22% |
| Q4 2025 | 9.23% |
| Q1 2026 | 9.23% |
| Q2 2026 | 9.53% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.11% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.66% |
| Q2 2026 | 0.76% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $1.2B | 9.53% | 0.11% | 0.76% | 69.9% |
| Q1 2026 | 66 | $1.2B | 9.23% | 0.08% | 0.66% | 66.7% |
| Q4 2025 | 65 | $1.2B | 9.23% | 0.08% | 0.49% | 69.0% |
| Q3 2025 | 64 | $1.3B | 9.22% | 0.09% | 0.47% | 64.2% |
| Q2 2025 | 64 | $1.2B | 9.37% | 0.11% | 0.41% | 69.1% |
| Q1 2025 | 64 | $1.2B | 9.26% | 0.10% | 0.40% | 69.0% |
| Q4 2024 | 64 | $1.2B | 9.08% | 0.10% | 0.40% | 67.1% |
| Q3 2024 | 64 | $1.3B | 9.12% | 0.09% | 0.45% | 62.1% |
| Q2 2024 | 64 | $1.2B | 9.14% | 0.04% | 0.56% | 67.5% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Genesee Regional BankBank Rochester, NY | 72 out of 100, Strong | $1.3B | 11.0% | 0.59% | vs |
| Amerasia BankBank Flushing, NY | 78 out of 100, Strong | $1.1B | 15.1% | 1.59% | vs |
| Greene County Commercial BankBank Catskill, NY | 73 out of 100, Strong | $1.3B | 10.1% | 0.00% | vs |
| Ballston Spa National BankBank Ballston Spa, NY | 55 out of 100, Moderate | $1.4B | 8.7% | 0.23% | vs |
| First Central Savings BankBank Glen Cove, NY | 57 out of 100, Moderate | $1.0B | 10.3% | 1.19% | vs |
| Walden Savings BankBank Montgomery, NY | 62 out of 100, Moderate | $1.0B | 10.2% | 1.05% | vs |
Deposit insurance
Is my money safe at Solvay Bank?
Yes. Solvay Bank is an FDIC-insured institution (FDIC certificate #13297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.2% of deposits ($409.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.53%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
10 locations
Branches
Solvay Bank lists 10 offices in 9 cities. Most locations:
- Syracuse, NY (2)
- Baldwinsville, NY (1)
- Camillus, NY (1)
- Cicero, NY (1)
- East Syracuse, NY (1)
- Fayetteville, NY (1)
- Liverpool, NY (1)
- North Syracuse, NY (1)
- Solvay, NY (1)
HMDA 2025
Mortgage lending
In 2025, Solvay Bank reported 255 home-loan applications under HMDA (LEI 549300BOYV1JVWTO8O89): 214 originated ($53,950,000 total), 15 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Visa Platinum Standard | 15.88% | $0 | — | 0.0% |
Identity & history
Profile
- Legal name
- Solvay Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 13297
- RSSD ID
- 722816
- Primary regulator
- FED
- Holding company
- Solvay Bank Corp
- Established
- March 17, 1917
- Headquarters
- 1537 Milton Ave, Solvay, NY 13209
- Website
- www.solvaybank.com
- Employees
- 149
Quick answers
Solvay Bank: common questions
Is Solvay Bank FDIC insured?
Yes. Solvay Bank is an FDIC-insured institution (FDIC certificate #13297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Solvay Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Solvay Bank ever failed?
There is no failure record for FDIC certificate #13297 in the FDIC failed bank list.
How many branches does Solvay Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Solvay
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nucor Employee'S Credit UnionCredit union Florence, SC | 91 out of 100, Very strong | $68.2M | 19.7% | 0.61% | vs |
| Syracuse Fire Department Employees Federal Credit UnionCredit union Syracuse, NY | 89 out of 100, Very strong | $147.4M | 15.2% | 0.95% | vs |
| Compass Federal Credit UnionCredit union Oswego, NY | 89 out of 100, Very strong | $101.5M | 15.3% | 0.46% | vs |
| Fulton Savings BankBank Fulton, NY | 88 out of 100, Very strong | $492.3M | 31.4% | 0.70% | vs |
| Crouse Hinds Employees Federal Credit UnionCredit union Syracuse, NY | 84 out of 100, Strong | $6.9M | 12.1% | 0.13% | vs |
| Auburn Community Federal Credit UnionCredit union Auburn, NY | 83 out of 100, Strong | $126.5M | 12.3% | 0.08% | vs |