Seneca Savings Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Seneca Savings Bank, N.A. is an FDIC-insured commercial bank headquartered in Baldwinsville, NY, established in 1928 (FDIC certificate 29496), and it is supervised by the OCC. At Q2 2026 it reported total assets of $312.5M, up 4.5% from Q2 2025, the 79th largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.84% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29496
- Headquarters
- Baldwinsville, NY
- Established
- 1928
- Total assets, Q2 2026
- $312.5M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 9.84%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 221371770
- Latest call report
- Q2 2026, FFIEC 051 · Seneca Savings Bank, N.A. call report
- Holding company
- SENECA BANCORP, INC.
- Asset rank in state
- 79th of 105 in New York
Problem loans are rising at Seneca Savings Bank, N.A.. Its balance sheet stood at $312 million at June 30, 2026, up 4.5% from a year earlier; it is based in Baldwinsville, New York. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.12% of loans from 0.21% a year earlier. It earns about $0.28 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Delinquency has appeared in its $49 million non-owner-occupied commercial real estate book: 3.01% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 12.9% and deposits rose 5.7%. Credit is the area to watch: it carries problem assets equal to 9.2% of the capital and reserves that would absorb them, 3.5 times the median of 2.6% for banks its size.
As of June 30, 2026, Seneca Savings Bank, N.A. reported a return on assets of 0.28%, a nonperforming-loan ratio of 1.12% and a Texas ratio of 9.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Seneca Savings Bank, N.A. is the 79th largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.1% to $312.5M, loans rose 1.4% and deposits fell 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 52.1% of total loans, followed by non-owner-occupied commercial real estate loans at 20.3%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in NY; its Baldwinsville office books 39% of its branch deposits. By the capital ratios in its Q2 2026 call report, Seneca Savings Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 35 Oswego St, Baldwinsville, NY 13027
- County
- Onondaga
- Metro Area
- Syracuse, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1928
- Former names
- Seneca Savings (2017-2025)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $246.6M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $161K
- Average total assets
- $314.6M
- Average total loans
- $235.9M
- Average interest-bearing deposits
- $197.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29496
- Fed RSSD
- 276074
- SEC CIK
- 2072421 → filed by SENECA BANCORP, INC.
- Website
- senecasavings.com →
- Parent Holding Company
- SENECA BANCORP, INC. (RSSD 5125373) · SNNF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Joseph G Vitale | CEO | President and CEO |
| Angela M Krezmer | CFO | EVP and CFO |
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Seneca Savings Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Seneca Savings Bank, N.A.'s total assets ranged from $249.2M (Q3 2023) to $316.6M (Q3 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$312.5M total assets against $299.1M; $284.6M total liabilities against $276.0M.
$236.9M net loans and leases against $209.8M; $246.6M total deposits against $233.4M.
$36.2M securities against $48.6M; $8.2M cash and balances due against $12.8M.
$4.0M total interest income against $3.6M; $1.4M total interest expense against $1.4M.
$2.6M net interest income against $2.2M.
$536K total noninterest income against $462K; $2.7M total noninterest expense against $2.3M.
$120K provision for credit losses against $511K.
$219K net income against -$101K.
0.28% return on assets against -0.14%; 3.58% net interest margin against 3.34%.
9.84% tier 1 leverage ratio against 9.41%.
Inside the full Seneca Savings Bank, N.A. 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Seneca Savings Bank, N.A. rankings
Its closest position to the top of a national ranking is 706 of 3,640, for Texas Ratio; its furthest is 3,409 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.14% (Q2 2025) to 0.57% (Q3 2024) and its net interest margin ran from 3.10% (Q3 2025) to 3.58% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.84% | 0.28% | 1.12% | 9.24% | 3.58% |
| Q1 2026 | 9.78% | 0.10% | 1.08% | 8.87% | 3.35% |
| Q4 2025 | 9.68% | 0.26% | 0.70% | 5.62% | 3.18% |
| Q3 2025 | 8.77% | 0.31% | 0.29% | 2.51% | 3.10% |
| Q2 2025 | 9.41% | -0.14% | 0.21% | 1.86% | 3.34% |
| Q1 2025 | 9.63% | 0.28% | 0.22% | 1.85% | 3.25% |
| Q4 2024 | 9.73% | 0.19% | 0.20% | 1.68% | 3.38% |
| Q3 2024 | 9.87% | 0.57% | 0.19% | 1.60% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Seneca Savings Bank, N.A. (main office) | Baldwinsville , NY | 13027 | $95.7M |
| 201 N Main Street Branch | North Syracuse , NY | 13212 | $56.8M |
| Oswego Road Branch | Liverpool , NY | 13090 | $44.0M |
| Bridgeport | Bridgeport , NY | 13030 | $32.6M |
| Seneca Savings Branch | Manlius , NY | 13104 | $17.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 125 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 110 applications, 80 loans originated, $19.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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
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Frequently asked about Seneca Savings Bank, N.A.
What are Seneca Savings Bank, N.A.'s total assets?
As of the Q2 2026 filing, Seneca Savings Bank, N.A. reported total assets of $312.5 million in its FFIEC call report.
Where is Seneca Savings Bank, N.A. headquartered?
It is headquartered in Baldwinsville, NY, United States.
When was Seneca Savings Bank, N.A. founded?
It was established in 1928, per the FDIC institution directory.
Is Seneca Savings Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Seneca Savings Bank, N.A.?
Seneca Savings Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Seneca Savings Bank, N.A. operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Seneca Savings Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 9.24% 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.
What was Seneca Savings Bank, N.A. previously called?
The charter now named Seneca Savings Bank, N.A. has also operated as Seneca Savings (2017-2025), per FDIC structure-change records.
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