SENECA SAVINGS BANK, NATIONAL ASSOCIATION

BALDWINSVILLE, NY | Small | Est. Jan. 1, 1928, midnight | FDIC #29496 | RSSD #276074 | OCC
Latest Report: 2025-12-31

SENECA SAVINGS BANK, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in BALDWINSVILLE, NY, established in Jan. 1, 1928, midnight. As of 2025-12-31, the bank reported total assets of $312M and total deposits of $245M. Profitability stands at 0.26% ROA and 3.22% ROE, with a net interest margin of 3.20%. The bank's CET1 capital ratio is 8.40%. Asset quality metrics show a non-performing loan ratio of 0.69% and a Texas Ratio of 5.35%. FDIC Certificate #29496.

Assets

$312M

Deposits

$245M

Loans

$228M

Equity

$27M

Profitability

Return on Assets (ROA) 0.26%
Return on Equity (ROE) 3.22%
Net Interest Margin (NIM) 3.20%
Yield on Assets 5.28%
Cost of Funds 2.10%

Asset Quality

NPL Ratio 0.69%
Net Charge-Off Ratio 0.31%
Texas Ratio 5.35%
NPA Ratio 0.50%
ACL / Loans 0.84%

Capital & Liquidity

CET1 Ratio 8.40%
Tier 1 Capital 8.40%
Total Capital Ratio 8.82%
Leverage Ratio 9.68%
Loan-to-Deposit 93.00%

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