# SOLVAY BANK
SOLVAY, NY · FDIC certificate 13297 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.20B | |
| Deposits | $1.07B | |
| Loans and leases | $756.6M | |
| Total equity | $93.9M | |
| Loans / deposits | 69.88% (p16 of band) | 87.10% |
| Liquid assets / assets | 32.67% (p80 of band) | |
| Uninsured deposits / deposits | 38.23% (p68 of band) | 30.76% |
| Brokered deposits | 0.69% | |
| Wholesale funding | 2.52% (p32 of band) | |
| FHLB advances / assets | 1.83% | |
| Tier 1 leverage | 9.53% (p23 of band) | 10.50% |
| Unrealized securities loss / equity | -30.51% (p9 of band) | -7.75% |
| AOCI / equity | -1.15% (p15 of band) | |
| ROA (annualized) | 0.76% (p18 of band) | 1.26% |
| Net interest margin | 2.57% (p6 of band) | 3.70% |
| Efficiency ratio | 72.57% (p83 of band) | |
| Noncurrent loans | 0.11% (p15 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 937.51% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 27.17% (p26 of band) | |
| Auto loans | $85.9M (11.36% of loans; DQ 0.21%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 149 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | securities losses >30% of equity, uninsured deposits leaving |  |
| 2022-06 | 3 | AOCI drag >20% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | uninsured deposits leaving, AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 | NIM <2.5% | uninsured deposits leaving |
| 2023-12 | 3 | capital falling | deposits shrinking |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 3 | uninsured deposits leaving | capital falling |
| 2025-06 | 2 |  | uninsured deposits leaving |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | securities losses >30% of equity |
| 2026-03 | 1 | securities losses >30% of equity | NIM <2.5% |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-09 [Company news: Solvay Bank adds Jim Bligh, Mike Cummings to leadership team - Syracuse.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOTy1sYnF1NURwUE14cUFxSkVCU2Q2ZzFId2lXcjZlU1ZPOEVrc2RxVW52eGJlVXlEUXl4eDBRc3RacjhCZHV2VlUtakV3Y2FheEZWaXJVdGZ5RUFvU3VkdmVWeHdZWnZUd3JYdkFzVGo5WkM2VUlZZFllZmRhdGdRdlpNZXRmbTloLUgxM1pwdmRrMHdWdTl0TXFSVFFzSm9HSFdTb2VFQm5FUzd2TEtSX3hHbTlvNks0amcw0gHPAUFVX3lxTE9qcGxKYkJDMm4tSkdqWExkNDc4S1MzblNJYzR0a1lzTjM1alpQTGVMemVpUnpUNmY4cTBJeUJXVGFaRTB5dms4XzNDWVhhOHVtYnpVcURHLV9kZmV3MnVLMjB4M1J4aGlqNW9UVDZWYVNTQkt4b240OUs5eUFnRW15VEgzTnNoalBMUFVGSk5qeFEyeVd0RXlPYmRGZ1pQWmxHRURnbUFJbm4ya0dVaUdKRG1VQWFWN0lxQ1FXNlJwNXAwOTRMSnNJYlpIaXZPYw?oc=5) · Syracuse.com
- 2021-09-02 [NYSP: Bank employee stole $45K from customers’ accounts - NEWS10 ABC](https://news.google.com/rss/articles/CBMikwFBVV95cUxOX3RPb1BxWmR2cU5HNDhvR2Q4aVFxd25qNnByTURvSTBfREZNMGxxaEpQNE9vY2hJMGw0ZmN6LXJkRFJJNVYzZEpDeVpqcUZwLWwyaHBWRmhvLVM5YmczN3dDM1JmcUdUUXRnR09IWjdDRUFnYlVwcnRldjRhUTFXYkFyd1hVbm8wZFlhUEU5eFI3TG_SAZgBQVVfeXFMTUhmY3kxSXppZ0ZhUDRTcGNzWkhZbkxHZUgtU3hJdk5MTVR0U25Mcmp6bzhDNnpmZHJzdEpoSDJteG5MQW44WnpxTmhheUV2Z0pvWmFBaGk3R0VpbW9OS0NVYkdLWHVwSEhFVERCN3BvbVQxZFZiRFRWZE1CUmR1cWRid0h5cDNDengyOGhvM1IyLUFaUE43VVM?oc=5) · NEWS10 ABC
- 2022-08-03 [Watch: Police arrest Liverpool man for suspected bank robberies after pursuit - WSTM](https://news.google.com/rss/articles/CBMilgFBVV95cUxONjM5WWVhcHhRa3VkQ2ZMWWdJWnZVcldCMnFVNHkzcFlrNXlTbmhPck5CUlBCZzZPQ2lJbTJWcEo1b19NWEJBcFRZckpFcXpxTzlZcnMzNHlnMi1VelhQVTNNYXE4VnJzQkNPZTVPMG44X3M5ZHJsTWR6bW9Fel9TSk1ZeFFFWTdma05qWDVRamNtTzhSTkE?oc=5) · WSTM
- 2017-07-28 [SOBS Stock Price and Chart — OTC:SOBS - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5JUzdOTDFWQ1ZObHlfN3dVZ2FNZ05QOGctOVV3YjJvVHQ3U2VCRC1zRy01bDVMUkkyT3hfdWh3RTR5LVpCTWduSnk4aTNDbU5ZUzZjNjhTRko?oc=5) · TradingView
- 2021-11-01 [Company news: Solvay Bank announces 11 recent appointments and promotions - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2021-09-01 [Solvay Bank employee charged with stealing thousands of dollars from customer accounts - WSTM](https://news.google.com/rss/articles/CBMivAFBVV95cUxPNmdCbl9kd2FWVHpHTGZ6TDJGOHZnSzl5NXYxMWo4NmVxNVlnTDJTNFNiQnNjTjBqOUtIcTIzUlQ0dTFKcjdUVW1NSnBQWGlUNDNhMUlMc1BmVG14S2VKLUFDNnhlZFNOZXFGQy11SkowcjNZallwdWowdnRMOHVTMUZrby0tVFc4a2d6VTg4ajJ1UERuWlJmOS1NYWVJTjJvY2NJdi1ObWxHZzl4cVR6UzA5dWRJNTNwcGktQg?oc=5) · WSTM
- 2022-09-29 [Former Central NY bank employee charged with stealing $14,000 from customer - Syracuse.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNNzhoNVlMenhyNzFZa3FvdTJ0NXJNVmtBUWJ3MnU5aXdIdjFQVU5RTHdSYnIxT1ZYemF5djctcGRqN0hMa0FocVpFd2pJbksyT1JBZlY0SzFIYlZnTTRMOWxZVXAzZm9nbHN4Y3otMjgyTXBObGdpM2pwLXNpWVJCMzhZV2xDRVRsOGFTOGVsSVFoTVdTSDM3VTItNTZ1a1d0bFlaYmF4Y3F1bTN4anlV0gHDAUFVX3lxTE8tdVZXdy11cWo2RUlocHRJWk9pRXVQRlU2N3N6Ml92QTRKSVdBZWIxcVM3ZXpFcFgydWJoUG85SnRVaGFyM3NhZUNlNzg2M1l4azhhcEE1c1RualhNcHJ0c0ZZeHRqNVJRRF9oU2pReEx5SWRTLTFLcnlGVzU5UHg5TnhMb0xyNzh4N1h2elR5VGpqX1c0NkpjSHBndEpiMVBOako5U2tGdDlRMk01QlV2SXYwaXVFZkg4MXBSVll3d0hWTQ?oc=5) · Syracuse.com
- 2018-05-14 [Lawsuit: Feher Rubbish owes bank, creditors, and state millions - WSTM](https://news.google.com/rss/articles/CBMimgFBVV95cUxNSzYwR1hPWUhoR1VWU3dsR0RkRkhYN1JEdjM3Zm9aS3JUdzRYdUJQR1JXLVV3SVJEcUh6alN0RWVtR1preE9MaTRqWWh1eF9PLVBSWDBaRm8xOGdzWGkweV80RVpaSGgyekU5MjNDUDgzZTAwOXBFYkZPZWlYN3d3LV80Q3JZTmlzN0lPZmJpY3FJQjZSbHRXNWdn?oc=5) · WSTM

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13297 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "13297", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide