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Saratoga National Bank And Trust

IDRSSD: 1211371
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2024-09-30. 2 alerts active.

Summary

RSSD 1211371 held $1.2B in total assets as of 2024-09-30 (+4.0% quarter-over-quarter). Total loans stood at $963.8M (+4.8% QoQ) and total deposits at $719.8M (-2.8% QoQ).

Overall position is adequate — the composite Health Score is 45/100 (Adequate). Tier 1 / RWA stands at 12.04%, in the below median of peers. Asset quality (NPL ratio) sits in the above median of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
45/100
Adequate
Active Alerts
2
0 critical, 2 warning
Total Assets
$1.2B
+4.0% QoQ
Total Loans
$963.8M
+4.8% QoQ
Total Deposits
$719.8M
-2.8% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
12.04%
26th pctile · n=363↑ better
-17 bp QoQ
CET1 / RWA
12.04%
46th pctile · n=500↑ better
-17 bp QoQ
Total RBC / RWA
13.24%
27th pctile · n=363↑ better
-15 bp QoQ
Tier 1 Leverage Ratio
12.04%
46th pctile · n=500↑ better
-17 bp QoQ

Liquidity

Cash / Assets
3.40%
28th pctile · n=500↑ better
+11 bp QoQ
Loans / Deposits
133.90%
100th pctile · n=498↓ better
+970 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.18%
35th pctile · n=500↓ better
+1 bp QoQ
NPA / Assets
0.16%
39th pctile · n=500↓ better
+1 bp QoQ
Texas Ratio (regulatory)
1.53%
42th pctile · n=500↓ better
+8 bp QoQ
Net Charge-Offs / Avg Loans
0.03%
66th pctile · n=500↓ better
-33 bp QoQ
ALLL Coverage of NPL
558.75%
69th pctile · n=500↑ better
-1590 bp QoQ

Earnings

Net Interest Margin
2.35%
9th pctile · n=500↑ better
+13 bp QoQ
Return on Assets
0.84%
40th pctile · n=500↑ better
-5 bp QoQ
Return on Equity
9.69%
45th pctile · n=500↑ better
-64 bp QoQ
Efficiency Ratio
49.55%
14th pctile · n=500↓ better
-494 bp QoQ
Pre-tax NOI / Avg Assets
1.10%
44th pctile · n=500↑ better
-6 bp QoQ

Funding

Brokered / Deposits
0.00%
18th pctile · n=498↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
4.96%
63th pctile · n=500↓ better
-52 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
10.20%
30th pctile · n=500↑ better
-40 bp QoQ
AFS Securities / Assets
9.11%
34th pctile · n=500↑ better
-75 bp QoQ
HTM Securities / Assets
1.09%
76th pctile · n=500↑ better
+35 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 09:27:50 UTC