C
Seneca Savings Bank, National Association
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.68
Return On
Assets
0.18%
Total
Assets
312.21M
Capital
27.39M
Total
Deposits
245.32M
Net
Income
536.00K
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Weiss Ratings Seneca Savings Bank, National Association
Baldwinsville, NY 		Click to
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Rating C
Asset Quality Index 6.80
Capitalization Index 8.00
Liquidity Index 2.50
Profitability Index 2.10
Stability Index 4.60
Company Info Seneca Savings Bank, National Association
Baldwinsville, NY 		Click to
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FDIC Number 29496
Phone Number (315) 638-0233
Website www.senecasavings.com
Asset Quality Seneca Savings Bank, National Association
Baldwinsville, NY 		Click to
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1-Year Asset Growth 11.10%
5-Year Asset Growth 8.05%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.33%
Non-Performing Assets to Assets 0.71%
Non-Performing Loans to Capital 5.70%
Non-Performing Loans to Loans 0.90%
Balance Sheet Seneca Savings Bank, National Association
Baldwinsville, NY 		Click to
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Total Assets 312.21M
Total Deposits 245.32M
Capital and Reserves Seneca Savings Bank, National Association
Baldwinsville, NY 		Click to
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Capital 27.39M
Leverage Ratio 9.68
Loan Loss Reserves to Loans 0.84%
Risk-Based Capital Ratio --
Liquidity Seneca Savings Bank, National Association
Baldwinsville, NY 		Click to
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Hot Money Ratio 20.62%
Liquidity Ratio 9.44%
Profitability Seneca Savings Bank, National Association
Baldwinsville, NY 		Click to
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5-Year Return on Average Assets 0.56%
Net Income 536.00K
Net Interest Spread 3.21%
Operating Profit to Average Assets 0.18%
Overhead Efficiency Ratio 87.15%
Return on Assets 0.18%
Return on Equity 2.25%