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Massena Savings and Loan

Massena, NY · Cert 30429

State savings bank · OCC · 2 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

81

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

76

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

Massena Savings and Loan

Massena, NY · Cert 30429

State savings bank · OCC · 2 branches

Q2 2026

$199.9MAssets
$181.5MLoans
$148.2MDeposits
$30.4MEquity
Loan mix
89%RE $161.5M1%C&I $0.9M11%Consumer $19.1MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $139.9M6%Noninterest $8.3MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.43%Q2 ’255.73%Q2 ’26+5%+12%

Non-interest income vs. expense

2.31%Q2 ’242.19%Q2 ’252.10%Q2 ’26-7%-5%

Executive Summary

  • Earnings: ROA of 1.09%, up 31 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 1.30% of loans (-37 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 15.15%, up 11 bps from a year ago.
  • Funding: loans stand at 122.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+36 bps YoY

Efficiency Ratio (YTD, annualized)

58.19%-935 bps YoY

Tier 1 Leverage Ratio

15.15%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.91%0.87%0.99%1.09%+31 bps
Return on Equity5.20%6.10%5.83%6.72%7.29%+209 bps
Net Interest Margin3.06%3.13%3.10%3.38%3.43%+36 bps
Efficiency Ratio67.54%65.43%67.16%61.55%58.19%-935 bps
Non-Interest Burden2.01%1.98%2.02%2.02%1.92%-9 bps
Growth
Asset Growth (YoY)0.93%1.84%7.06%7.17%5.89%+495 bps
Loan Growth (YoY)3.13%5.68%7.30%7.31%6.38%+325 bps
Deposit Growth (YoY)7.53%4.11%3.15%2.41%0.72%-681 bps
Asset Quality
Nonperforming Loans / Loans1.68%1.49%1.24%1.41%1.30%-37 bps
Net Charge-Offs / Loans0.11%0.05%0.05%0.01%0.11%0 bps
Allowance / Loans0.73%0.69%0.67%0.70%0.69%-3 bps
Allowance Coverage of NPLs0.4x0.5x0.5x0.5x0.5x+0.1x
Capital
Tier 1 Leverage Ratio15.03%15.14%14.80%14.96%15.15%+11 bps
Total Risk-Based Capital23.90%23.35%23.00%23.40%23.81%-9 bps
Equity / Assets15.02%14.87%14.64%14.84%15.19%+17 bps
Liquidity & Funding
Loans / Deposits116.01%121.54%123.02%121.44%122.53%+652 bps
Liquid Assets / Assets5.08%4.14%4.73%5.05%4.50%-58 bps
CRE / Total Capitaln/a24.42%27.20%27.94%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

Massena Savings and Loan

Massena, NY · Cert 30429 · Peer group: banks under $1B in assets (n=581-629)

State savings bank · OCC · 2 branches

Q2 2026

$199.9MAssets
$181.5MLoans
$148.2MDeposits
$30.4MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 82% of banks under $1B in assets (rank 115 of 629).
  • Widest gap: nonperforming loans / loans trails 77% of banks under $1B in assets (rank 451 of 581).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.09%

Rank 287 of 629

Net Interest Margin

3.43%

Rank 351 of 629

Efficiency Ratio

58.19%

Rank 154 of 629

Equity / Assets

15.19%

Rank 138 of 629

Non-interest income vs. expense

$0.4M$4.2MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 76% of banks under $1B in assets
Bank 58.19%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%0.60%1.01%1.45%Beats 54%287 / 629
Return on Equity7.15%5.38%9.30%13.28%Beats 34%418 / 629
Net Interest Margin3.43%3.03%3.54%4.05%Beats 44%351 / 629
Efficiency Ratio58.19%58.35%67.79%79.08%Beats 76%154 / 629
Asset Quality
Nonperforming Loans / Loans1.30%0.09%0.46%1.20%Beats 23%451 / 581
Net Charge-Offs / Loans0.06%n/a0.01%0.06%Beats 27%427 / 581
Capital
Tier 1 Capital Ratio22.86%11.24%13.84%18.77%Beats 82%115 / 629
Total Risk-Based Capital Ratio23.81%11.58%14.43%19.66%Beats 82%114 / 629
Equity / Assets15.19%9.09%10.65%13.80%Beats 78%138 / 629
Liquidity & Funding
Loans / Deposits122.53%67.24%80.90%93.48%99th pctl7 / 594
Loans / Assets90.83%53.31%67.71%78.15%99th pctl4 / 629
Brokered Deposits / Depositsn/aNot reported for this institution