Seneca Savings Bank, National Association: how it compares with its peers
Against 34 NY banks with half to twice its assets, Seneca Savings Bank, National Association's strongest measure in Q2 2026 is net interest margin (3.57% vs. a 3.75% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $7.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.19% | 0.75% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 3.75% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 89.11% | 70.03% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $7.1M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.05% | 87.82% | Context |
What it means for lending operations
Its efficiency ratio of 89.11% is above the 70.03% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Carthage Savings and Loan, National Association Carthage, NY · $312M
- Bank of Millbrook Millbrook, NY · $312M
- American Community Bank Glen Cove, NY · $307M
- Global Bank New York, NY · $304M
- Abacus Federal Savings Bank New York, NY · $321M
- The Upstate National Bank Ogdensburg, NY · $295M
Questions about Seneca Savings Bank, National Association
How big is Seneca Savings Bank, National Association?
Seneca Savings Bank, National Association, established in 1928, is headquartered in Baldwinsville, NY. It reported $312M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Seneca Savings Bank, National Association's return on assets?
0.19% annualized in Q2 2026, against a 0.75% median for 34 NY banks with half to twice its assets, ahead of 15% of them.
What is Seneca Savings Bank, National Association's efficiency ratio?
89.11% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 70.03%, and lower is better.
Is Seneca Savings Bank, National Association growing its loans?
Net loans grew 12.9% over the year to Q2 2026, while deposits grew 5.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.