Seneca Savings Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Seneca Savings Bank, N.A. of Baldwinsville, NY against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.28% | 1.35% | -1.07% | 8th bottom |
| ROAE | 3.16% | 13.33% | -10.17% | 9th bottom |
| Net Interest Margin | 3.58% | 3.93% | -0.35% | 31st below |
| Efficiency Ratio | 86.33% | 61.12% | +25.21% | 9th bottom |
| PPNR / Avg Assets | 0.48% | 1.68% | -1.20% | 8th bottom |
| Yield on Earning Assets | 5.48% | 5.67% | -0.19% | 44th below |
| Cost of Funds | 1.98% | 1.88% | +0.10% | 38th below |
| Net Interest Spread | 3.19% | 3.32% | -0.13% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.27% | 0.94% | +0.33% | 22nd bottom |
| NPA / Total Assets | 0.97% | 0.70% | +0.27% | 21st bottom |
| NCO / Avg Loans | 0.22% | 0.16% | +0.06% | 12th bottom |
| ACL / Total Loans | 0.77% | 1.28% | -0.51% | 9th bottom |
| ACL / NPLs (Coverage) | 60.70% | 1546.61% | -1485.91% | 15th bottom |
| Texas Ratio | 10.92% | 7.34% | +3.58% | 20th bottom |
| Provision / NCO | 57.14% | 1395.48% | -1338.34% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.84% | 12.14% | -2.30% | 28th below |
| Equity / Assets | 8.92% | 11.37% | -2.45% | 26th below |
| TCE / Tangible Assets | 8.70% | 11.08% | -2.38% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.80% | 80.66% | +16.14% | 16th bottom |
| Core Deposit Ratio | 83.50% | 86.85% | -3.35% | 26th below |
| Wholesale Funding Ratio | 11.54% | 5.03% | +6.51% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.47% | 6.84% | -2.37% | 50th above |
| Loan Growth (Y/Y) | 12.87% | 7.92% | +4.95% | 82nd top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.67% | 6.29% | -0.62% | 62nd above |
See Seneca Savings Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Seneca Savings Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Seneca Savings Bank, N.A. profile, how to read a UBPR, or how this data updates.