Massena Savings and Loan
Massena, NY
IDRSSD: 454975
Total Assets
$199.93M
Latest filing
Total Deposits
$147.33M
Latest filing
Net Interest Margin
3.53%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Massena Savings and Loan
255 Main St
Massena, NY 13662
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1924FDIC Certificate 43263
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Massena Savings and Loan (Main) | 255 Main St | Massena, NY |
| WADDINGTON BRANCH | 155 Lincoln Ave | Waddington, NY |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1924 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 13662 |
| State and County Number | 36089 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 38 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Ogdensburg-Massena, NY |
Operational Info
| Number of Employees | 22 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.massenasavingsloan.com |
| Data Updated | 01/30/2026 |
| CERT | 30429 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $199.93M |
| Total Deposits | $147.33M |
| Total Liabilities | $170.66M |
| Total Equity Capital | $29.27M |
| Net Income | $367.00k |
| Net Loans and Leases | $180.03M |
| Assets Per Employee ($Millions) | $9.09M |
| Bank Premises and Fixed Assets | $1.79M |
| Cash and Balances due from Depository Institutions | $10.26M |
| Deposits Held in Domestic Offices | $147.33M |
Key Performance Ratios
| Return on Assets (ROA) | 0.74% |
| Return on Equity (ROE) | 5.05% |
| Net Interest Margin | 3.53% |
| Efficiency Ratio | 71.88% |
| Tier 1 Risk-Based Capital Ratio | 22.083% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.641% |
| Earning Assets to total Assets | 94.78% |
Income and Expense
| Total Interest Income | $2.81M |
| Total Noninterest Income | $87.00k |
| Total Interest Expense | $1.16M |
| Total Noninterest Expense | $1.25M |
| Net Interest Income | $1.65M |
| Pre-tax Net Operating Income | $470.00k |
| Provision for Credit Losses | $19.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $225.00k |
| Other borrowed funds | $23.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $326.00k |
| Total Liabilities and Capital | $199.93M |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Massena Savings and Loan?
$199.93M as of the latest filing.
How much are Massena Savings and Loan's total deposits?
$147.33M in total deposits.
Where is Massena Savings and Loan located?
Massena, NY.
What is the Net Interest Margin?
3.53%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1924.
What is the Return on Assets (ROA)?
0.74%.
How much are total loans and leases?
$180.03M (latest filing).
What is the total interest income (latest filing)?
$2.81M.