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 (4.8 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 (2.0) profitability.
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.8. A current level of 8.9 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Home mtgs (34%), comm re (20%), securities (12%), comm loans (8%), home eq lns (6%), cash (3%), consumer loans (1%), other (16%)
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 Bancorp, Inc.
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
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