Baldwinsville, NY · Cert 29496 · Seneca Bcorp Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Syracuse, NY · 2026 SOD (annual) · 1.5% share · #12 of 15 inst. · $0.2B of $16.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.34% | 0.28% | 0.06% | 0.15% | 0.18% | 0.10% | 0.19% | +12 bps | |
| Return on Equity | 4.72% | 4.09% | 3.35% | 0.80% | 1.89% | 2.22% | 1.12% | 2.14% | +134 bps | |
| Net Interest Margin | 2.95% | 2.96% | 3.04% | 3.05% | 2.84% | 2.81% | 3.09% | 3.19% | +14 bps | |
| Efficiency Ratio | 85.90% | 84.73% | 85.35% | 84.95% | 85.17% | 85.71% | 91.70% | 89.11% | +416 bps | |
| Non-Interest Burden | 2.50% | 2.47% | 2.55% | 2.55% | 2.37% | 2.37% | 2.83% | 2.81% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.81% | 9.45% | 6.36% | 11.96% | 17.83% | 11.10% | 12.72% | 4.47% | -750 bps | |
| Loan Growth (YoY) | 6.12% | 2.88% | 3.54% | 2.35% | 5.97% | 11.64% | 14.12% | 12.87% | +1,052 bps | |
| Deposit Growth (YoY) | 5.56% | 8.66% | 6.45% | 13.99% | 21.97% | 14.47% | 14.01% | 5.67% | -832 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.20% | 0.22% | 0.21% | 0.29% | 0.70% | 1.08% | 1.12% | +91 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.14% | 0.64% | 0.44% | 0.31% | 0.06% | 0.13% | -50 bps | |
| Allowance / Loans | 0.96% | 0.88% | 0.89% | 0.83% | 0.83% | 0.84% | 0.85% | 0.77% | -5 bps | |
| Allowance Coverage of NPLs | 5.1x | 4.5x | 4.1x | 3.9x | 2.9x | 1.2x | 0.8x | 0.7x | -3.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 9.73% | 9.63% | 9.41% | 8.77% | 9.68% | 9.78% | 9.84% | +44 bps | |
| Total Risk-Based Capital | 9.87% | 9.73% | 9.63% | 9.41% | 8.77% | 9.68% | 9.78% | 9.84% | +44 bps | |
| Equity / Assets | 8.57% | 8.21% | 8.28% | 7.71% | 7.51% | 8.77% | 8.73% | 8.92% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.88% | 95.35% | 93.78% | 90.62% | 86.78% | 93.00% | 93.87% | 96.80% | +617 bps | |
| Liquid Assets / Assets | 2.07% | 1.79% | 1.80% | 3.73% | 4.10% | 1.27% | 1.95% | 2.41% | -132 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 255% | 257% | 272% | n/a | n/a | |