FDIC Cert #13297 · Solvay, New York · Est. 1917

Solvay Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$1.2B
Total assets
D
Health grade · Weak
0.49%
Return on assets
9.2%
Tier 1 capital

Data updated July 2026

The verdict

Solvay Bank earns a PlainBankData health grade of D (49/100), with 9.23% Tier 1 capital, 0.49% ROA, 77% efficiency ratio.

#898
largest of 4,313 FDIC banks by assets
79th
percentile by asset size, nationally
9.23%
Tier 1 ratio - below the 10% well-capitalized line
15th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 13297 · NY D · 49/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-D D (49/100)
  • BOTTOM-DECILE #4142/4307
  • PHOTO-FINISH North Dallas Bank &… · TX
  • TIER1-ADEQ 9.2% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-THIN 0.49% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: North Dallas Bank & Trust Co., TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Solvay Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100North Dallas Bank &… · TX · …49/100Savers Co-operative… · MA · …49/100Solvay Bank · NY · this bank49/100The Fairmount State… · IN · …49/100The Yoakum National… · TX · …49/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Solvay Bank · July 2026

What Solvay Bank's Call Report plate shows

Solvay Bank (FDIC Cert #13297) carries a PlainBankData health grade of D at 49/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,142 of 4,307. Tier 1 capital prints at 9.23%, missing the 10% well-capitalized line. The Texas Ratio is 0.58%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.49%. Balance-sheet scale is $1.2B, 898th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is North Dallas Bank & Trust Co. (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Solvay Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Solvay Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Solvay Bank remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How Solvay Bank's 49/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10049/100
Solvay Bank's composite health score
Tier 1 Capital Ratio (9.23%) 18/40
Return on Assets (ROA) (0.49%) 7/25
Texas Ratio (0.58%) 20/20
Efficiency Ratio (77.24%) 4/15

49 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.2B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$735M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.83% 9.23% 10.63%
Basel III capital ratios - Solvay Bank

Where Solvay Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Solvay Bank's score of 49/100 falls in the highlighted band.

Solvay Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

49 4th percentile higher than 4% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Solvay Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Solvay Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Solvay Bank's $1.2B falls in the highlighted band.

Safety ratios for Solvay Bank

Tier 1 capital ratio
Well-capitalized 10%

9.23% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.23%
Texas Ratio
0.58%
Equity Capital
$93M

What these ratios mean →

Profitability metrics: Solvay Bank

Return on Assets (ROA)
15th percentile nationally
0.49%
Return on Equity (ROE)
6.84%
Efficiency Ratio
77.24%

What these mean →

Income & expense at Solvay Bank

$47M
Interest Income
$6M
Non-Interest Income
$24M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Solvay Bank reports a Texas Ratio of 0.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Solvay Bank

Solvay Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.23% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Solvay Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Solvay Bank on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.2B here), outside New York so the neighborhood is not state containment.

West Michigan Community Bank $1.2B · MI The North Side Bank and Trust Company $1.2B · OH Forward Bank $1.2B · WI The Union Bank Company $1.2B · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Solvay Bank (FDIC Cert #13297) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Solvay Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%