Seneca Savings Bank, N.A.: 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.
Reserve coverage of non-performing loans dropped 5.74 percentage points in Q2 2026, from 66.43% to 60.70%. It was the largest change from Q1 2026 among the key lines here. Within New York, Seneca Savings Bank, N.A. is 93rd of 105 on return on assets, 0.28% as of Q2 2026, below the middle of the field. Seneca Savings Bank, N.A.'s return on assets of 0.28% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.97 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.84% |
| Equity capital to assets | 8.92% |
| Tangible equity to tangible assets | 8.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.27% |
| Non-performing assets ratio | 0.97% |
| Net charge-off ratio | 0.22% |
| Texas ratio | 10.92% |
| Allowance for credit losses to loans | 0.77% |
| Reserve coverage of non-performing loans | 60.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.28% |
| Return on equity | 3.16% |
| Net interest margin | 3.58% |
| Efficiency ratio | 86.33% |
| Yield on earning assets | 5.48% |
| Cost of funds | 1.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.80% |
| Core deposits to total deposits | 83.50% |
| Brokered deposits to total deposits | 7.80% |
| Deposits to assets | 78.93% |
| Securities to assets | 11.60% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.76% | 0.31% | 3.32% | 0.16% | 0.02% |
| Q4 2023 | 10.19% | 0.36% | 3.25% | 0.21% | 0.00% |
| Q1 2024 | 10.00% | 0.20% | 3.09% | 0.26% | 0.01% |
| Q2 2024 | 9.84% | 0.41% | 3.12% | 0.16% | 0.00% |
| Q3 2024 | 9.87% | 0.57% | 3.28% | 0.13% | 0.16% |
| Q4 2024 | 9.73% | 0.19% | 3.38% | 0.24% | 0.01% |
| Q1 2025 | 9.63% | 0.28% | 3.25% | 0.44% | 0.14% |
| Q2 2025 | 9.41% | -0.14% | 3.34% | 0.43% | 1.14% |
| Q3 2025 | 8.77% | 0.31% | 3.10% | 0.50% | 0.07% |
| Q4 2025 | 9.68% | 0.26% | 3.18% | 0.90% | -0.00% |
| Q1 2026 | 9.78% | 0.10% | 3.35% | 1.28% | 0.06% |
| Q2 2026 | 9.84% | 0.28% | 3.58% | 1.27% | 0.22% |
Seneca Savings Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Seneca Savings Bank, N.A., 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 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)