Massena Savings and Loan
BankRegReports is independent of Massena Savings and Loan and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Massena Savings and Loan is an FDIC-insured savings institution headquartered in Massena, NY, established in 1924 (FDIC certificate 30429), and it is supervised by the OCC. At Q2 2026 it reported total assets of $199.9M, up 5.9% from Q2 2025, the 91st largest of 105 banks headquartered in New York. Its CET1 capital ratio was 22.86% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30429
- Headquarters
- Massena, NY
- Established
- 1924
- Total assets, Q2 2026
- $199.9M
- Assets vs Q2 2025
- +5.9%
- CET1 ratio, Q2 2026
- 22.86%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 221371628
- Latest call report
- Q2 2026, FFIEC 051 · Massena Savings and Loan call report
- Asset rank in state
- 91st of 105 in New York
Massena Savings and Loan, based in Massena, New York, reported $200 million in assets at June 30, 2026, up 5.9% from a year earlier. It holds commercial real estate loans equal to only 22% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 2.60% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $590,000, 39% above the same quarter a year earlier. Over the same year, loans grew 6.4% and deposits grew 0.7%. Credit is the area to watch: it carries problem assets equal to 8.6% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Massena Savings and Loan reported a CET1 capital ratio of 22.86%, a return on assets of 1.18%, a nonperforming-loan ratio of 1.30% and a Texas ratio of 8.64%. The figures come from its call report filed with the FFIEC.
Massena Savings and Loan ranks as the 91st largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $199.9M, loans were flat and deposits fell 0.9%. 1-4 family residential loans made up 85.0% of its total loans on June 30, 2026, its largest category; next came auto loans at 5.4%. The FDIC Summary of Deposits lists 2 offices for it, in Massena, NY and Waddington, NY; its Massena office books 83% of its branch deposits. By the capital ratios in its Q2 2026 call report, Massena Savings and Loan meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 255 Main St, Massena, NY 13662
- County
- St. Lawrence
- Metro Area
- Massena-Ogdensburg, NY
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1924
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $148.2M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $99K
- Average total assets
- $200.4M
- Average total loans
- $181.7M
- Average interest-bearing deposits
- $148.6M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30429
- Fed RSSD
- 454975
- Website
- www.massenasavingsloan.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Massena Savings and Loan's total assets ranged from $177.9M (Q3 2023) to $200.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$199.9M total assets against $188.8M; $169.5M total liabilities against $160.4M.
$180.3M net loans and leases against $169.4M; $148.2M total deposits against $147.1M.
$0 securities against $0; $9.8M cash and balances due against $10.3M.
$2.9M total interest income against $2.6M; $1.2M total interest expense against $1.1M.
$1.8M net interest income against $1.5M.
$95K total noninterest income against $80K; $1.0M total noninterest expense against $991K.
$91K provision for credit losses against $20K.
$590K net income against $424K.
1.18% return on assets against 0.90%; 3.65% net interest margin against 3.25%.
22.86% CET1 capital ratio against 22.90%; 15.15% tier 1 leverage ratio against 15.03%.
Inside the full Massena Savings and Loan terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Massena Savings and Loan rankings
Its closest position to the top of a national ranking is 222 of 2,134, for CET1 ratio; its furthest is 2,966 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.65% (Q1 2025) to 1.18% (Q3 2025) and its net interest margin ran from 3.11% (Q4 2024) to 3.65% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.86% | 1.18% | 1.30% | 8.64% | 3.65% |
| Q1 2026 | 22.44% | 1.00% | 1.41% | 9.10% | 3.54% |
| Q4 2025 | 22.08% | 0.74% | 1.24% | 8.10% | 3.49% |
| Q3 2025 | 22.40% | 1.18% | 1.49% | 9.55% | 3.47% |
| Q2 2025 | 22.90% | 0.90% | 1.68% | 10.69% | 3.25% |
| Q1 2025 | 23.11% | 0.65% | 1.36% | 9.05% | 3.21% |
| Q4 2024 | 22.76% | 0.78% | 1.34% | 8.72% | 3.11% |
| Q3 2024 | 22.09% | 0.69% | 1.51% | 9.63% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Massena Savings and Loan (main office) | Massena , NY | 13662 | $123.6M |
| Waddington Branch | Waddington , NY | 13694 | $24.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC (former OTS))
- August 7, 2009, OCC (former OTS): Termination of Cease and Desist: Massena Savings and Loan
- July 31, 2008, OCC (former OTS): Cease and Desist: Massena Savings and Loan
- Period: Most recent institution action August 7, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 142 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Massena Savings and Loan’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Massena Savings and Loan
What are Massena Savings and Loan's total assets?
As of the Q2 2026 filing, Massena Savings and Loan reported total assets of $199.9 million in its FFIEC call report.
Where is Massena Savings and Loan headquartered?
It is headquartered in Massena, NY, United States.
When was Massena Savings and Loan founded?
It was established in 1924, per the FDIC institution directory.
Is Massena Savings and Loan FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30429). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Massena Savings and Loan?
Massena Savings and Loan's primary federal regulator is the OCC.
What is Massena Savings and Loan's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Massena Savings and Loan operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Massena Savings and Loan's Texas Ratio?
Its Texas Ratio is 8.64% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Massena Savings and Loan.
Get an email when Massena Savings and Loan files its next call report, and benchmark it against any peer you choose.
Unlock Massena Savings and Loan, freeFree account