Seneca Savings Bank, National Association
Baldwinsville, NY · Cert 29496 · Peer group: banks under $1B in assets (n=570-617) · 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 31% of banks under $1B in assets (rank 426 of 617).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets (rank 563 of 617).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.19%
Rank 552 of 617
Net Interest Margin
3.19%
Rank 426 of 617
Efficiency Ratio
90.40%
Rank 540 of 617
Equity / Assets
8.92%
Rank 476 of 617
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 13% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.19% | 0.60% | 1.01% | 1.45% | Beats 11% | 552 / 617 | |
| Return on Equity | 2.12% | 5.30% | 9.43% | 13.30% | Beats 12% | 542 / 617 | |
| Net Interest Margin | 3.19% | 3.04% | 3.54% | 4.05% | Beats 31% | 426 / 617 | |
| Efficiency Ratio | 90.40% | 58.03% | 67.76% | 79.08% | Beats 13% | 540 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.12% | 0.09% | 0.47% | 1.27% | Beats 28% | 413 / 570 | |
| Net Charge-Offs / Loans | 0.07% | n/a | 0.01% | 0.06% | Beats 22% | 443 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 9.84% | 11.18% | 13.83% | 18.55% | Beats 9% | 561 / 617 | |
| Total Risk-Based Capital Ratio | 9.84% | 11.56% | 14.39% | 19.39% | Beats 9% | 563 / 617 | |
| Equity / Assets | 8.92% | 9.03% | 10.55% | 13.63% | Beats 23% | 476 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 96.80% | 64.77% | 79.70% | 93.06% | 82nd pctl | 107 / 582 | |
| Loans / Assets | 76.40% | 51.70% | 67.18% | 77.51% | 72nd pctl | 174 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |