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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