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Solvay Bank

Solvay Bank is an FDIC insured institution headquartered at 1537 Milton Ave, Solvay, NY 13209.
It was founded in 1917 and has approximately $1 billion in assets. Customers can open an account at one of its 9 branches.

Deposit Rates - April 01, 2026

SAVINGS RATES	APY	MIN
SAV	0.10%	$0	Compare

CD RATES	APY	MIN
7 Mo CD	4.00%	$2,500	Compare
12 Mo CD	3.65%	$500	Compare
16 Mo CD	3.50%	$2,500	Compare
18 Mo CD	3.50%	$500	Compare
24 Mo CD	3.00%	$500	Compare
30 Mo CD	2.25%	$500	Compare
36 Mo CD	2.50%	$500	Compare
48 Mo CD	2.75%	$500	Compare
60 Mo CD	3.00%	$500	Compare

MM RATES	APY	MIN
Money Market	0.25%	$10,000	Compare
Money Market	0.35%	$25,000	Compare
Money Market	0.45%	$50,000	Compare

PREMM RATES	APY	MIN
Premium Money Market	0.85%	$100,000	Compare
Premium Money Market	1.00%	$250,000	Compare

INT CHECKING RATES	APY	MIN
INTCK	0.02%	$1

Loan Rates - April 01, 2026

MORTGAGE PURCHASE	APR(%)	MONTHLY PAYMENT
5 Year Adjustable Conforming	7.45%	$2,075.51
7 Year Adjustable Conforming	7.40%	$2,103.24
10 Year Adjustable Conforming	7.35%	$2,128.97
15 Year Fixed Conforming	6.58%	$2,787.54
20 Year Fixed Conforming	7.06%	$2,480.96
30 Year Fixed Conforming	7.17%	$2,156.98

MORTGAGE REFINANCE	APR(%)	MONTHLY PAYMENT
5 Year Adjustable Conforming	7.45%	$2,075.51
7 Year Adjustable Conforming	7.40%	$2,103.24
10 Year Adjustable Conforming	7.35%	$2,128.97
15 Year Fixed Conforming	6.58%	$2,787.54
20 Year Fixed Conforming	7.06%	$2,480.96
30 Year Fixed Conforming	7.17%	$2,156.98

See Other Mortgage Rates →

HOME EQUITY RATES	APR(%)	MONTHLY PAYMENT
Line of Credit	5.25%	Varies
Compare with 0 RATE Line of Credit from PenFed Credit Union
Compare with 6.75 RATE Line of Credit from Farmers Bank of Kansas City
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union
10 Year Loan	4.50%	$1,036.38
15 Year Loan	5.25%	$803.88

See Other Home Equity Rates →

AUTO LOAN RATES	APR(%)	MONTHLY PAYMENT
3 Year	3.00%	$727.03
4 Year	3.25%	$556.12
5 Year	3.25%	$452.00

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 13297
Date Established	1917
Assets	$ 1,272.72 million
Loans	$ 735.03 million
Deposits	$ 1,144.47 million
Capital	$ 90.40 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 113.16 million
Interest-bearing balances	$ 91.24 million
Total securities	$ 367.74 million
Federal funds sold and reverse repurchase	$ 0.14 million
Net loans and leases	$ 735.03 million
Loan loss allowance	$ 7.96 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 0.07 million
All other assets	$ 40.23 million
Total Assets	$ 1,182.32 million

LIABILITIES
Total deposits	$ 1,144.47 million
Interest-bearing deposits	$ 873.84 million
Deposits held in domestic offices	$ 1,144.47 million
% insured (estimated)"	56.65%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 1.00 million
Subordinated debt	N.A.
All other liabilities	$ 7.05 millionn
Total Liabilities	$ 1,182.32 million
Shareholders’ Equity	$ 90.40 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 34.99 million
Total Interest Expense	$ 16.40 million
Net interest income	$ 18.59 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 4.29 million
Total non interest expense	$ 17.85 million
Pre-tax Net Operating Income	$ 6.83 million

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Branches

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