Seneca Savings Bank, National Association
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.8) profitability.
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.0). Good current capitalization (6.8 on a scale of 0 to 10) and a capital leverage ratio of 8.8.
Asset Mix:
Home mtgs (33%), securities (18%), comm re (17%), comm loans (7%), cash (5%), home eq lns (5%), consumer loans (2%), other (12%)
States with Branches:
NY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Seneca Financial Corp
Investment Rating
--
Address
35 Oswego Street
Baldwinsville, NY 13027
Baldwinsville, NY 13027
Phone Number
(315) 638-0233
Year Founded
1928
FDIC Number
Website
Largest Affiliates
No affiliate information available.