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Seneca Savings Bank, National Association
Baldwinsville, NY · FDIC Certificate #29496 · Chartered 01/0
Total assets
$312.48M
Total deposits
$246.64M
Total equity
$27.89M
Net loans
$236.90M
Branches (offices)
5
Net income (YTD)
$296.00K
Rank: #2,405 of 4,213 U.S. banks by assets · #86 of 115 in New York. Assets changed 4.5% and deposits 5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.19% |
| Return on equity | 2.14% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 8.92% |
| Tier 1 leverage ratio | 9.84% |
| Uninsured deposits (share of deposits) | 31.0% |
| Noncurrent loans (share of loans) | 1.12% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 96.0% |
| Real estate loans (share of loans) | 88.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $209.16M | 88.3% | |
| Commercial & industrial | $25.39M | 10.7% | |
| Consumer / individual | $4.04M | 1.7% | |
| Construction & development | $9.80M | 4.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $222.60M | $175.82M | $819.00K | $20.26M |
| Jun 2023 | $240.73M | $191.45M | $473.00K | $20.47M |
| Jun 2024 | $267.16M | $204.76M | $398.00K | $21.94M |
| Jun 2025 | $299.12M | $233.41M | $93.00K | $23.07M |
| Jun 2026 | $312.48M | $246.64M | $296.00K | $27.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $246.64M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $246.64M.
Similar-sized banks
State Bank Of Graymont ($312.70M) · Neighborhood National Bank ($312.19M)
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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