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
Unfavorable gap of $3.9M · efficiency ratio beats 76% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.60% | 1.01% | 1.45% | Beats 54% | 287 / 629 | | |
| Return on Equity | 7.15% | 5.38% | 9.30% | 13.28% | Beats 34% | 418 / 629 | | |
| Net Interest Margin | 3.43% | 3.03% | 3.54% | 4.05% | Beats 44% | 351 / 629 | | |
| Efficiency Ratio | 58.19% | 58.35% | 67.79% | 79.08% | Beats 76% | 154 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.30% | 0.09% | 0.46% | 1.20% | Beats 23% | 451 / 581 | | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.06% | Beats 27% | 427 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 22.86% | 11.24% | 13.84% | 18.77% | Beats 82% | 115 / 629 | | |
| Total Risk-Based Capital Ratio | 23.81% | 11.58% | 14.43% | 19.66% | Beats 82% | 114 / 629 | | |
| Equity / Assets | 15.19% | 9.09% | 10.65% | 13.80% | Beats 78% | 138 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 122.53% | 67.24% | 80.90% | 93.48% | 99th pctl | 7 / 594 | | |
| Loans / Assets | 90.83% | 53.31% | 67.71% | 78.15% | 99th pctl | 4 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |