Consider the function
$f(x,y) = -10x^2-10xy+30x$
I am about to find the extrema or saddle of the function. Calculated critical points,
$f_x = 0$
$-20x-10y+30$
$f_y = 0$
$x=0$
$y=3$
Critical point is (0,3)
$A = f_{xx}(0,3) = -20$
$B= f_{xy}(0,3) = -10 $
$C = f_{yy}(0,3) =0$
The discriminant is
$D = AC-B^2$
$D = -10$
$D<0$
A new case happens where $D<0$ and $f_{xx}<0$. What conclusion can be drawn? Is that saddle point?
Saddle occurs only when $D<0$. local Maximum occurs when $D>0$ and $f_{xx}<0$. So an odd case. what conclusion? A saddle point?
You already have the answer: for well behaved functions $f$, if $D < 0$ then you have a saddle, and in this case $D = -100$ (incidentally, not $-10$).
Remember first principles, when $f_x = f_y = 0$ $$ f(x+\delta x,y+\delta y) - f(x,y) = \tfrac{1}{2} \Big( f_{xx}\delta x^2+2 f_{xy}\delta x \delta y + f_{yy} \delta y^2\Big) + O(\delta x^3, \delta x^2 \delta y, \delta x \delta y^2, \delta y^3) $$ so it is the sign of the term in parentheses that determines the nature of the stationary point. Strictly there are a number of cases to consider.