BlastPoint's Banking Scorecard
Seneca Savings Bank, National Association
Micro
Specialty: Commercial
NY
FDIC cert 29496
Designations: ✓ Community bank
Baldwinsville, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Seneca Savings Bank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.90% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$312.2M
+11.1% YoY
-1.4% QoQ
|
+$94.7M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$226.2M
+11.7% YoY
+5.2% QoQ
|
+$87.1M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$245.3M
+14.5% YoY
-1.8% QoQ
|
+$61.7M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
0.18%
-47.2% YoY
+20.4% QoQ
|
-0.90% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.31%
-0.3% YoY
+0.4% QoQ
|
-0.54% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
85.71%
+1.2% YoY
+0.6% QoQ
|
+17.98% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.71%
+257.2% YoY
+145.7% QoQ
|
+0.07% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
92.22%
-2.4% YoY
+7.2% QoQ
|
+17.69% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
17.54%
+9.4% YoY
-9.4% QoQ
|
-4.85% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.56%
+83.0% YoY
+64.4% QoQ
|
+0.11% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.61%
+6.7% YoY
+38.3% QoQ
|
+0.05% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.18%
(Tier avg: 1.08%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Total Loans
Current: $226.2M · Tier avg: $139.2M
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
74
74th pctile
Total Assets
Current: $312.2M · Tier avg: $217.5M
70
70th pctile
Total Deposits
Current: $245.3M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.64%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.45%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.54% · Tier avg: 22.39%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.22% · Tier avg: 74.53%
13
13th pctile
Efficiency Ratio
Current: 85.71% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
Top Weaknesses
9
9th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.71% · Tier avg: 67.73%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.22% · Tier avg: 74.53%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.54% · Tier avg: 22.39%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.45%
37
37th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
70
70th pctile
Total Deposits
Current: $245.3M · Tier avg: $183.7M
74
74th pctile
Total Assets
Current: $312.2M · Tier avg: $217.5M
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
80
80th pctile
Total Loans
Current: $226.2M · Tier avg: $139.2M