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Seneca Savings Bank, National Association

Baldwinsville, NY · Cert 29496 · Seneca Bcorp Inc.

National charter · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

13

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

12

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Seneca Savings Bank, National Association

Baldwinsville, NY · Cert 29496 · Seneca Bcorp Inc.

National charter · OCC · 5 branches

Q2 2026

$312.5MAssets
$238.7MLoans
$246.6MDeposits
$27.9MEquity
Loan mix
88%RE $206.8M10%C&I $24.3M2%Consumer $4.3MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $202.6M18%Noninterest $44.1MQ2 2025Q2 2026

NIM

4.88%Q2 ’244.93%Q2 ’254.96%Q2 ’26+5%+5%

Non-interest income vs. expense

3.12%Q2 ’243.17%Q2 ’253.48%Q2 ’260%+11%

Market Position · Syracuse, NY · 2026 SOD (annual) · 1.5% share · #12 of 15 inst. · $0.2B of $16.2B

1.6% Onondaga
2.6% Madison

Executive Summary

  • Earnings: ROA of 0.19%, up 12 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 1.12% of loans (+91 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 9.84%, up 44 bps from a year ago.
  • Funding: loans stand at 96.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.19%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+14 bps YoY

Efficiency Ratio (YTD, annualized)

89.11%+416 bps YoY

Tier 1 Leverage Ratio

9.84%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.15%0.18%0.10%0.19%+12 bps
Return on Equity0.80%1.89%2.22%1.12%2.14%+134 bps
Net Interest Margin3.05%2.84%2.81%3.09%3.19%+14 bps
Efficiency Ratio84.95%85.17%85.71%91.70%89.11%+416 bps
Non-Interest Burden2.55%2.37%2.37%2.83%2.81%+27 bps
Growth
Asset Growth (YoY)11.96%17.83%11.10%12.72%4.47%-750 bps
Loan Growth (YoY)2.35%5.97%11.64%14.12%12.87%+1,052 bps
Deposit Growth (YoY)13.99%21.97%14.47%14.01%5.67%-832 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.29%0.70%1.08%1.12%+91 bps
Net Charge-Offs / Loans0.64%0.44%0.31%0.06%0.13%-50 bps
Allowance / Loans0.83%0.83%0.84%0.85%0.77%-5 bps
Allowance Coverage of NPLs3.9x2.9x1.2x0.8x0.7x-3.3x
Capital
Tier 1 Leverage Ratio9.41%8.77%9.68%9.78%9.84%+44 bps
Total Risk-Based Capital9.41%8.77%9.68%9.78%9.84%+44 bps
Equity / Assets7.71%7.51%8.77%8.73%8.92%+121 bps
Liquidity & Funding
Loans / Deposits90.62%86.78%93.00%93.87%96.80%+617 bps
Liquid Assets / Assets3.73%4.10%1.27%1.95%2.41%-132 bps
CRE / Total Capitaln/a255%257%272%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Seneca Savings Bank, National Association

Baldwinsville, NY · Cert 29496 · Peer group: banks under $1B in assets (n=581-629) · Seneca Bcorp Inc.

National charter · OCC · 5 branches

Q2 2026

$312.5MAssets
$238.7MLoans
$246.6MDeposits
$27.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 32% of banks under $1B in assets (rank 430 of 629).
  • Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets (rank 575 of 629).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.19%

Rank 566 of 629

Net Interest Margin

3.19%

Rank 430 of 629

Efficiency Ratio

90.40%

Rank 553 of 629

Equity / Assets

8.92%

Rank 491 of 629

Non-interest income vs. expense

$2.1M$10.9MINCOMEEXPENSE
Unfavorable gap of $8.9M · efficiency ratio beats 12% of banks under $1B in assets
Bank 90.40%Peer median 67.8%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.19%0.60%1.01%1.45%Beats 10%566 / 629
Return on Equity2.12%5.38%9.30%13.28%Beats 12%552 / 629
Net Interest Margin3.19%3.03%3.54%4.05%Beats 32%430 / 629
Efficiency Ratio90.40%58.35%67.79%79.08%Beats 12%553 / 629
Asset Quality
Nonperforming Loans / Loans1.12%0.09%0.46%1.20%Beats 27%425 / 581
Net Charge-Offs / Loans0.07%n/a0.01%0.06%Beats 23%446 / 581
Capital
Tier 1 Capital Ratio9.84%11.24%13.84%18.77%Beats 9%573 / 629
Total Risk-Based Capital Ratio9.84%11.58%14.43%19.66%Beats 9%575 / 629
Equity / Assets8.92%9.09%10.65%13.80%Beats 22%491 / 629
Liquidity & Funding
Loans / Deposits96.80%67.24%80.90%93.48%81st pctl115 / 594
Loans / Assets76.40%53.31%67.71%78.15%70th pctl188 / 629
Brokered Deposits / Depositsn/aNot reported for this institution