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
Unfavorable gap of $8.9M · efficiency ratio beats 12% 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 10% | 566 / 629 | |
| Return on Equity | 2.12% | 5.38% | 9.30% | 13.28% | Beats 12% | 552 / 629 | |
| Net Interest Margin | 3.19% | 3.03% | 3.54% | 4.05% | Beats 32% | 430 / 629 | |
| Efficiency Ratio | 90.40% | 58.35% | 67.79% | 79.08% | Beats 12% | 553 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.12% | 0.09% | 0.46% | 1.20% | Beats 27% | 425 / 581 | |
| Net Charge-Offs / Loans | 0.07% | n/a | 0.01% | 0.06% | Beats 23% | 446 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.84% | 11.24% | 13.84% | 18.77% | Beats 9% | 573 / 629 | |
| Total Risk-Based Capital Ratio | 9.84% | 11.58% | 14.43% | 19.66% | Beats 9% | 575 / 629 | |
| Equity / Assets | 8.92% | 9.09% | 10.65% | 13.80% | Beats 22% | 491 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 96.80% | 67.24% | 80.90% | 93.48% | 81st pctl | 115 / 594 | |
| Loans / Assets | 76.40% | 53.31% | 67.71% | 78.15% | 70th pctl | 188 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |