Total Assets
$200M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Massena Savings and Loan — FDIC Bank Health Profile
Massena, New York · Est. 1924. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) Savings bank FDIC Cert #30429 New York Region
C
Health grade
Fair
Score: 62/100
Basel III capital ratios — Massena Savings and Loan
Total Deposits
$147M
Customer-funded liabilities
Net Loans
$180M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
22.08%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$29M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.87%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
5.83%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
67.16%
Income & Expense Breakdown
$11M
Interest Income
$375K
Non-Interest Income
$4M
Non-Interest Expense
FDIC Deposit Insurance
Massena Savings and Loan is FDIC-insured (Certificate #30429). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $200M in total assets and $147M in customer deposits, with $180M deployed as loans. It operates as a Nationally chartered (OCC) (Savings bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Massena Savings and Loan reports a Tier 1 Capital Ratio of 22.08% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $29M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.87% and a Return on Equity of 5.83%, with an Efficiency Ratio of 67.16% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (62/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Massena Savings and Loan is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in New York by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Massena Savings and Loan (FDIC Cert #30429) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
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|---|---|---|---|
| Goldman Sachs Bank USA New York | $645.0B | B | 1.42% |
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| Flagstar Bank, National Association Hicksville | $87.5B | D | -0.14% |
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| State Bank of India New 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 C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Massena Savings and Loan? ▼
Massena Savings and Loan holds $200M in total assets and $147M in deposits. It is headquartered in Massena, New York.
Is my money safe at Massena Savings and Loan? ▼
Yes. Massena Savings and Loan is FDIC-insured (Certificate #30429). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Massena Savings and Loan's Tier 1 Capital Ratio? ▼
Massena Savings and Loan has a Tier 1 Capital Ratio of 22.08%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Massena Savings and Loan? ▼
Massena Savings and Loan has an Efficiency Ratio of 67.16%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.