What is Seneca Savings Bank, National Association's financial health grade?

Seneca Savings Bank, National Association has a TFS Financial Health Grade of D- (score: 61.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Seneca Savings Bank, National Association have?

Seneca Savings Bank, National Association has 5 branch locations across the United States.

Is Seneca Savings Bank, National Association FDIC insured?

Yes, Seneca Savings Bank, National Association is FDIC insured (Certificate #29496).

What are the total assets of Seneca Savings Bank, National Association?

Seneca Savings Bank, National Association has total assets of $312.2M as reported in its most recent FDIC filing.

Seneca Savings Bank, National Association

BankBaldwinsville, New York

senecasavings.com

Total Assets

$312.2M

Total Deposits

$245.3M

Branches

Established

1928

TFS Health Grade

D-

61.3 / 100

Below average financial health

How we grade

Seneca Savings Bank, National Association is a bank headquartered in Baldwinsville, New York, established in 1928. With $312.2M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D- (61.3/100).

Capital & Safety

Tier 1 Capital Ratio

9.68%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.70%

Profitability

Return on Assets (ROA)

0.18%(1%)

Return on Equity (ROE)

2.22%(10%)

Net Interest Margin

3.31%

Efficiency Ratio

85.71%(60%)

Lending & Liquidity

Total Loans

$228.1M

Loan-to-Deposit Ratio

92.22%

Net Charge-Off Ratio

0.33%

Growth

Asset Growth (YoY)

+11.10%

Deposit Growth (YoY)

+14.47%

Net Income

$536.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Seneca Savings Bank, National AssociationHQ	35 Oswego St	Baldwinsville	NY	11
Seneca Savings Bank, National Association	584 Route 31	Bridgeport	NY	11
Seneca Savings Bank, National Association	7799 Oswego Rd	Liverpool	NY	11
Seneca Savings Bank, National Association	325 Fayette St	Manlius	NY	11
Seneca Savings Bank, National Association	201 N Main St	North Syracuse	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.