Massena Savings and Loan: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2.32 percentage points higher than in Q1 2026, at 36.83%. Within New York, Massena Savings and Loan is 38th of 105 on return on assets, 1.18% as of Q2 2026, above the middle of the field. Massena Savings and Loan reported 1.18% on return on assets for Q2 2026, 0.08 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.86% |
| Tier 1 risk-based capital ratio | 22.86% |
| Total risk-based capital ratio | 23.81% |
| Tier 1 leverage ratio | 15.15% |
| Equity capital to assets | 15.19% |
| Tangible equity to tangible assets | 15.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.89% |
| Non-performing assets ratio | 1.90% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 11.98% |
| Allowance for credit losses to loans | 0.69% |
| Reserve coverage of non-performing loans | 36.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 7.85% |
| Net interest margin | 3.65% |
| Efficiency ratio | 54.98% |
| Yield on earning assets | 6.06% |
| Cost of funds | 2.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.53% |
| Core deposits to total deposits | 80.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 74.13% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.53% | 22.53% | 23.73% | 14.58% | 0.64% |
| Q4 2023 | 22.15% | 22.15% | 23.36% | 14.53% | 0.70% |
| Q1 2024 | 22.40% | 22.40% | 23.58% | 14.48% | 0.48% |
| Q2 2024 | 22.21% | 22.21% | 23.35% | 14.54% | 0.64% |
| Q3 2024 | 22.09% | 22.09% | 23.22% | 14.39% | 0.69% |
| Q4 2024 | 22.76% | 22.76% | 23.80% | 14.69% | 0.78% |
| Q1 2025 | 23.11% | 23.11% | 24.14% | 14.97% | 0.65% |
| Q2 2025 | 22.90% | 22.90% | 23.90% | 15.03% | 0.90% |
| Q3 2025 | 22.40% | 22.40% | 23.35% | 15.14% | 1.18% |
| Q4 2025 | 22.08% | 22.08% | 23.00% | 14.80% | 0.74% |
| Q1 2026 | 22.44% | 22.44% | 23.40% | 14.96% | 1.00% |
| Q2 2026 | 22.86% | 22.86% | 23.81% | 15.15% | 1.18% |
Massena Savings and Loan vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Massena Savings and Loan, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Massena Savings and Loan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30429) · FFIEC NIC profile (RSSD 454975)