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Massena Savings And Loan
Massena, NY · FDIC Certificate #30429 · Chartered 01/0
Total assets
$199.86M
Total deposits
$148.16M
Total equity
$30.36M
Net loans
$180.28M
Branches (offices)
2
Net income (YTD)
$1.09M
Rank: #2,978 of 4,213 U.S. banks by assets · #98 of 115 in New York. Assets changed 5.9% and deposits 0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 7.29% |
| Net interest margin (YTD) | 3.62% |
| Equity to assets | 15.19% |
| Tier 1 leverage ratio | 15.15% |
| Uninsured deposits (share of deposits) | 12.8% |
| Noncurrent loans (share of loans) | 1.30% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 121.7% |
| Real estate loans (share of loans) | 89.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $161.84M | 89.8% | |
| Commercial & industrial | $848.00K | 0.5% | |
| Consumer / individual | $18.86M | 10.5% | |
| Construction & development | $4.18M | 2.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $172.64M | $129.92M | $518.00K | $24.41M |
| Jun 2023 | $177.76M | $128.69M | $664.00K | $25.80M |
| Jun 2024 | $187.00M | $136.80M | $515.00K | $26.92M |
| Jun 2025 | $188.75M | $147.10M | $727.00K | $28.34M |
| Jun 2026 | $199.86M | $148.16M | $1.09M | $30.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $148.16M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $148.16M.
Similar-sized banks
New Haven Bank ($200.03M) · First State Bank ($199.51M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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