BanksMASSENA SAVINGS AND LOAN

MASSENA SAVINGS AND LOAN

MASSENA, NYSmallEst. Jan. 1, 1924, midnightFDIC #30429RSSD #454975OCC
Latest · 2025-12-31

MASSENA SAVINGS AND LOAN is an 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%. CET1 capital ratio: 22.08%, well above regulatory minimums. NPL ratio: 1.24% · Texas Ratio: 8.10%. Operates 2 domestic branches.

Assets
$200M
Deposits
$147M
Loans
$181M
Equity
$29M

Profitability

Return on Assets (ROA)0.74%
Return on Equity (ROE)5.05%
Net Interest Margin3.64%
Yield on Assets6.19%
Cost of Funds2.76%

Asset Quality

NPL Ratio1.24%
Net Charge-Off Ratio0.05%
Texas Ratio8.10%
NPA Ratio1.24%
ACL / Loans0.67%

Capital & Liquidity

CET1 Ratio22.08%
Tier 1 Capital22.08%
Total Capital Ratio23.00%
Leverage Ratio14.80%
Loan-to-Deposit123.02%

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