C
Seneca Savings Bank, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
8.77
Return On
Assets
0.15%
Total
Assets
316.59M
Capital
23.77M
Total
Deposits
249.87M
Net
Income
330.00K
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Weiss Ratings Seneca Savings Bank, National Association
Baldwinsville, NY 		Click to
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Rating C
Asset Quality Index 8.00
Capitalization Index 6.80
Liquidity Index 2.90
Profitability Index 1.80
Stability Index 3.70
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 17.83%
5-Year Asset Growth 6.73%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.45%
Non-Performing Assets to Assets 0.49%
Non-Performing Loans to Capital 2.15%
Non-Performing Loans to Loans 0.50%
Balance Sheet Seneca Savings Bank, National Association
Baldwinsville, NY 		Click to
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Total Assets 316.59M
Total Deposits 249.87M
Capital and Reserves Seneca Savings Bank, National Association
Baldwinsville, NY 		Click to
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Capital 23.77M
Leverage Ratio 8.77
Loan Loss Reserves to Loans 0.83%
Risk-Based Capital Ratio --
Liquidity Seneca Savings Bank, National Association
Baldwinsville, NY 		Click to
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Hot Money Ratio 20.03%
Liquidity Ratio 13.00%
Profitability Seneca Savings Bank, National Association
Baldwinsville, NY 		Click to
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5-Year Return on Average Assets 0.56%
Net Income 330.00K
Net Interest Spread 3.22%
Operating Profit to Average Assets 0.17%
Overhead Efficiency Ratio 86.64%
Return on Assets 0.15%
Return on Equity 1.89%