Bank Comparison
Seneca Savings Bank, N.A. vs Tandem Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Seneca Savings Bank, N.A. | Tandem Bank |
|---|---|---|
| CET1 Ratio | — | 15.22% |
| Tier 1 Capital Ratio | — | 15.22% |
| Total Capital Ratio | — | 16.48% |
| Tier 1 Leverage Ratio | 9.78% | 11.98% |
| Equity / Assets | 8.73% | 11.88% |
Profitability
| Metric | Seneca Savings Bank, N.A. | Tandem Bank |
|---|---|---|
| Return on Assets (ROA) | 0.10% | 0.98% |
| Return on Equity (ROE) | 1.12% | 8.38% |
| Net Interest Margin (NIM) | 3.35% | 3.84% |
| Yield on Earning Assets | 5.29% | 6.16% |
| Cost of Funds | 1.98% | 2.64% |
Asset quality
| Metric | Seneca Savings Bank, N.A. | Tandem Bank |
|---|---|---|
| Texas Ratio | 10.58% | 1.37% |
| Non-Performing Loan Ratio | 1.28% | 0.24% |
| Non-Performing Asset Ratio | 0.95% | 0.18% |
| Net Charge-Off Ratio | 0.06% | 0.00% |
| ACL / Loans | 0.85% | 1.26% |
Balance sheet
| Metric | Seneca Savings Bank, N.A. | Tandem Bank |
|---|---|---|
| Total Assets | $315,944K | $315,715K |
| Total Deposits | $250,821K | $252,984K |
| Total Loans | $235,438K | $226,093K |
| Total Equity | $27,578K | $37,492K |
| Net Income (quarter) | $77 | $777 |
Liquidity & funding
| Metric | Seneca Savings Bank, N.A. | Tandem Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 93.87% | 89.37% |
| Core Deposit Ratio | 85.32% | 87.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Seneca Savings Bank, N.A. | Tandem Bank |
|---|---|---|
| Headquarters City | BALDWINSVILLE | TUCKER |
| Headquarters State | NY | GA |
| Asset Tier | Small | Small |
| Charter Class | 703552 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 62 | 30 |
| Established | Jan. 1, 1928, midnight | Sept. 23, 2019, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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