Seneca Savings Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.17 percentage points higher than in Q1 2026, at 215.17%. Seneca Savings Bank, N.A. ranks 22nd of 105 New York banks on loan-to-deposit ratio, in the upper half at 96.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Seneca Savings Bank, N.A. sits 15.96 points higher, at 96.80% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $238.7M |
| Net loans and leases | $236.9M |
| Loans held for sale | $639K |
| Loans to total assets | 76.40% |
| Loan-to-deposit ratio | 96.80% |
| Net loans to equity capital | 8.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.32% |
| Multifamily (5+ residential) | 5.05% |
| Commercial and industrial | 10.63% |
| Consumer | 1.69% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 215.17% |
| Construction concentration (Tier 1 capital + allowance) | 29.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $3.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $192.8M | $194.1M | 21.58% | 10.67% | 1.94% |
| Q4 2023 | $198.6M | $197.2M | 21.87% | 11.10% | 1.96% |
| Q1 2024 | $199.3M | $206.7M | 21.70% | 10.59% | 2.06% |
| Q2 2024 | $206.7M | $204.8M | 22.06% | 11.85% | 2.47% |
| Q3 2024 | $204.6M | $204.9M | 22.71% | 10.76% | 2.84% |
| Q4 2024 | $204.4M | $214.3M | 22.90% | 11.07% | 2.63% |
| Q1 2025 | $206.3M | $220.0M | 23.24% | 11.53% | 2.53% |
| Q2 2025 | $211.5M | $233.4M | 23.99% | 10.54% | 2.40% |
| Q3 2025 | $216.8M | $249.9M | 24.99% | 10.62% | 2.22% |
| Q4 2025 | $228.1M | $245.3M | 26.17% | 10.02% | 2.03% |
| Q1 2026 | $235.4M | $250.8M | 26.46% | 10.30% | 1.84% |
| Q2 2026 | $238.7M | $246.6M | 26.32% | 10.63% | 1.69% |
Seneca Savings Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Seneca Savings Bank, N.A., freeSource: Call Report Schedule RC-C, 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 Seneca Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29496) · FFIEC NIC profile (RSSD 276074)