Seneca Savings Bank, National Association
Baldwinsville, NY
IDRSSD: 276074
Total Assets
$316.59M
Latest filing
Total Deposits
$249.87M
Latest filing
Net Interest Margin
3.20%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Seneca Savings Bank, National Association
35 Oswego St
Baldwinsville, NY 13027
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1928FDIC Certificate 42330
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Seneca Savings Bank, National Association (Main) | 35 Oswego St | Baldwinsville, NY |
| 201 N MAIN STREET BRANCH | 201 N Main St | North Syracuse, NY |
| OSWEGO ROAD BRANCH | 7799 Oswego Rd | Liverpool, NY |
| BRIDGEPORT | 584 Route 31 | Bridgeport, NY |
| SENECA SAVINGS BRANCH | 325 Fayette St | Manlius, NY |
Showing 4 of 4
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 | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1928 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 13027 |
| State and County Number | 36067 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Syracuse, NY |
Operational Info
| Number of Employees | 63 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/16/2025 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | senecasavings.com |
| Data Updated | 11/14/2025 |
| CERT | 29496 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $316.59M |
| Total Deposits | $249.87M |
| Total Liabilities | $292.82M |
| Total Equity Capital | $23.77M |
| Net Income | $237.00k |
| Net Loans and Leases | $215.04M |
| Assets Per Employee ($Millions) | $5.46M |
| Bank Premises and Fixed Assets | $11.16M |
| Cash and Balances due from Depository Institutions | $14.29M |
| Deposits Held in Domestic Offices | $249.87M |
Key Performance Ratios
| Return on Assets (ROA) | 0.31% |
| Return on Equity (ROE) | 4.05% |
| Net Interest Margin | 3.2% |
| Efficiency Ratio | 85.6% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.508% |
| Earning Assets to total Assets | 90.04% |
Income and Expense
| Total Interest Income | $3.78M |
| Total Noninterest Income | $523.00k |
| Total Interest Expense | $1.56M |
| Total Noninterest Expense | $2.39M |
| Net Interest Income | $2.22M |
| Pre-tax Net Operating Income | $276.00k |
| Provision for Credit Losses | $80.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $41.23M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.72M |
| Total Liabilities and Capital | $316.59M |
Securities
| Securities | $58.13M |
| Available-for-sale debt securities | $57.03M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.09M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Seneca Savings Bank, National Association?
$316.59M as of the latest filing.
How much are Seneca Savings Bank, National Association's total deposits?
$249.87M in total deposits.
Where is Seneca Savings Bank, National Association located?
Baldwinsville, NY.
What is the Net Interest Margin?
3.20%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1928.
What is the Return on Assets (ROA)?
0.31%.
How much are total loans and leases?
$215.04M (latest filing).
What is the total interest income (latest filing)?
$3.78M.