MASSENA SAVINGS AND LOAN

MASSENA, NY | Small | Est. Jan. 1, 1924, midnight | FDIC #30429 | RSSD #454975 | OCC
Latest Report: 2025-12-31

MASSENA SAVINGS AND LOAN is asn small FDIC-insured commercial bank headquartered in MASSENA, NY, established in Jan. 1, 1924, midnight. As of 2025-12-31, the bank reported total assets of $200M and total deposits of $147M. Profitability stands at 0.74% ROA and 5.05% ROE, with a net interest margin of 3.64%. The bank's CET1 capital ratio is 22.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.24% and a Texas Ratio of 8.10%. FDIC Certificate #30429.

Assets

$200M

Deposits

$147M

Loans

$181M

Equity

$29M

Profitability

Return on Assets (ROA) 0.74%
Return on Equity (ROE) 5.05%
Net Interest Margin (NIM) 3.64%
Yield on Assets 6.19%
Cost of Funds 2.76%

Asset Quality

NPL Ratio 1.24%
Net Charge-Off Ratio 0.05%
Texas Ratio 8.10%
NPA Ratio 1.24%
ACL / Loans 0.67%

Capital & Liquidity

CET1 Ratio 22.08%
Tier 1 Capital 22.08%
Total Capital Ratio 23.00%
Leverage Ratio 14.80%
Loan-to-Deposit 123.02%

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