Total Assets
$200M
Total balance-sheet footings
FDIC Cert #30429 · Massena, New York · Est. 1924
Massena Savings and Loan - FDIC Bank Health Profile
A community-scale look at Massena Savings and Loan's own numbers, pulled straight from its quarterly FDIC Call Report.
- $200M
- Total assets
- B
- Health grade · Good
- 0.87%
- Return on assets
- 22.1%
- Tier 1 capital
Data updated July 2026
The verdict
Massena Savings and Loan earns a PlainBankData health grade of B (78/100), with well-capitalized at 22.08% Tier 1, 0.87% ROA, 67% efficiency ratio.
- #3,005
- largest of 4,313 FDIC banks by assets
- 30th
- percentile by asset size, nationally
- 22.08%
- Tier 1 ratio - above the 10% well-capitalized line
- 33rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Massena Savings and Loan's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Massena Savings and Loan's composite health score
Tier 1 Capital Ratio (22.08%) 40/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (7.37%) 16/20
Efficiency Ratio (67.16%) 8/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$147M
Customer-funded liabilities
Net Loans
$180M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Massena Savings and Loan ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Massena Savings and Loan's score of 78/100 falls in the highlighted band.
Massena Savings and Loan's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Massena Savings and Loan's $200M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
22.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.08%
Texas Ratio
7.37%
Equity Capital
$29M
Profitability metrics
Return on Assets (ROA)
33rd percentile nationally
0.87%
Return on Equity (ROE)
5.83%
Efficiency Ratio
67.16%
What the numbers say about Massena Savings and Loan
Massena Savings and Loan is an FDIC-insured institution (Certificate #30429) headquartered in Massena, New York, established in 1924. It holds $200M in total assets - 3,005th of 4,313 FDIC-insured banks, $147M in customer deposits, and $180M in net loans. Capital-wise, the Tier 1 ratio sits at 22.08%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 7.37%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (78 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Massena Savings and Loan sits 104th of 120 banks headquartered in New York by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$11M
Interest Income
$375K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Massena Savings and Loan reports a Texas Ratio of 7.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Massena Savings and Loan (FDIC Cert #30429) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is Massena Savings and Loan's health grade?▼
Massena Savings and Loan receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Massena Savings and Loan?▼
Massena Savings and Loan holds $200M in total assets and $147M in deposits, ranking 3,005th of 4,313 FDIC-insured banks by asset size. It is headquartered in Massena, New York.
Is my money safe at Massena Savings and Loan?▼
Yes, deposits at Massena Savings and Loan (Certificate #30429) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Massena Savings and Loan's Tier 1 Capital Ratio?▼
Massena Savings and Loan has a Tier 1 Capital Ratio of 22.08%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Massena Savings and Loan?▼
Massena Savings and Loan has a Texas Ratio of 7.37%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Massena Savings and Loan?▼
Massena Savings and Loan has an Efficiency Ratio of 67.16%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Massena Savings and Loan's profile as a depositor or analyst.
- Massena Savings and Loan's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Massena Savings and Loan against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.