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Massena Savings And Loan

IDRSSD: 454975
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 454975 held $200.6M in total assets as of 2026-03-31 (+0.3% quarter-over-quarter). Total loans stood at $180.3M (+0.1% QoQ) and total deposits at $149.5M (+1.5% QoQ).

Overall position is weak — the composite Health Score is 37/100 (Weak). Tier 1 / RWA stands at 22.44%, in the top quartile of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
37/100
Weak
Active Alerts
1
0 critical, 1 warning
Total Assets
$200.6M
+0.3% QoQ
Total Loans
$180.3M
+0.1% QoQ
Total Deposits
$149.5M
+1.5% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
22.44%
78th pctile · n=230↑ better
+36 bp QoQ
CET1 / RWA
22.44%
90th pctile · n=500↑ better
+36 bp QoQ
Total RBC / RWA
23.40%
78th pctile · n=230↑ better
+40 bp QoQ
Tier 1 Leverage Ratio
22.44%
90th pctile · n=500↑ better
+36 bp QoQ

Liquidity

Cash / Assets
5.41%
42th pctile · n=500↑ better
+28 bp QoQ
Loans / Deposits
120.60%
99th pctile · n=492↓ better
-160 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.41%
80th pctile · n=500↓ better
+17 bp QoQ
NPA / Assets
1.41%
85th pctile · n=500↓ better
+17 bp QoQ
Texas Ratio (regulatory)
9.10%
81th pctile · n=500↓ better
+100 bp QoQ
Net Charge-Offs / Avg Loans
0.01%
68th pctile · n=500↓ better
-6 bp QoQ
ALLL Coverage of NPL
49.28%
33th pctile · n=500↑ better
-466 bp QoQ

Earnings

Net Interest Margin
3.55%
31th pctile · n=500↑ better
+2 bp QoQ
Return on Assets
0.99%
36th pctile · n=500↑ better
+25 bp QoQ
Return on Equity
6.72%
23th pctile · n=500↑ better
+167 bp QoQ
Efficiency Ratio
61.55%
41th pctile · n=500↓ better
-1033 bp QoQ
Pre-tax NOI / Avg Assets
1.24%
42th pctile · n=500↑ better
+29 bp QoQ

Funding

Brokered / Deposits
0.00%
63th pctile · n=492↓ better
-0 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
12.29%
92th pctile · n=500↓ better
-118 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
0.00%
2th pctile · n=500↑ better
AFS Securities / Assets
0.00%
5th pctile · n=500↑ better
HTM Securities / Assets
0.00%
37th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 01:54:42 UTC