Branch Network
Massena Savings and Loan Locations & Branches Massena, New York
BankRegReports is independent of Massena Savings and Loan and never asks for online banking logins or passwords.
Massena Savings and Loan operates 2 branches from its headquarters in Massena, NY, .
Massena Savings and Loan branch network
Both branches are in NEW YORK, across 2 cities. Its largest office by deposits is its main office in Massena, NY, with $123.6M (83.4% of its branch deposits). It had the same number of branches on June 30, 2025.
Massena Savings and Loan at a glance
Its CET1 capital ratio was 22.86% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $199.9M
- CET1 ratio, Q2 2026
- 22.86%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1924
Full financial profile · Is Massena Savings and Loan safe? · Massena Savings and Loan call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Massena, NY (1 branch) | 1 of 5 | 33.5% | $123.6M |
| State: NY (2 branches) | 142 of 176 | <0.1% | $148.2M |
Ranked by total assets among banks headquartered in the state: Largest banks in New York.
Share by county and metro area
Massena Savings and Loan's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| St. Lawrence, NY (2 branches) | 5 of 9 | 8.3% | $148.2M | $1.78B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Ogdensburg-Massena, NY (2 branches) | 5 of 9 | 8.3% | $148.2M | $1.78B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Massena Savings and Loan (main office) | Massena, NY | 13662 | $123.6M |
| Waddington Branch | Waddington, NY | 13694 | $24.6M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 30429) · FFIEC NIC profile (RSSD 454975)