Total Assets
$312M
Total balance-sheet footings
FDIC Cert #29496 · Baldwinsville, New York · Est. 1928
Seneca Savings Bank, National Association - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $312M
- Total assets
- D
- Health grade · Weak
- 0.18%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
Seneca Savings Bank, National Association earns a PlainBankData health grade of D (41/100), with 9.68% Tier 1 capital, 0.18% ROA, 86% efficiency ratio.
- #2,432
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 9.68%
- Tier 1 ratio - below the 10% well-capitalized line
- 8th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Seneca Savings Bank, National Association's 41/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Seneca Savings Bank, National Association's composite health score
Tier 1 Capital Ratio (9.68%) 18/40
Return on Assets (ROA) (0.18%) 7/25
Texas Ratio (5.46%) 16/20
Efficiency Ratio (85.71%) 0/15
41 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$245M
Customer-funded liabilities
Net Loans
$226M
Outstanding loan book
Net Income
$536K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Seneca Savings Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Seneca Savings Bank, National Association's score of 41/100 falls in the highlighted band.
Seneca Savings Bank, National Association'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). Seneca Savings Bank, National Association's $312M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.68% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.68%
Texas Ratio
5.46%
Equity Capital
$27M
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.18%
Return on Equity (ROE)
2.22%
Efficiency Ratio
85.71%
What the numbers say about Seneca Savings Bank, National Association
Seneca Savings Bank, National Association is an FDIC-insured institution (Certificate #29496) headquartered in Baldwinsville, New York, established in 1928. It holds $312M in total assets - 2,432nd of 4,313 FDIC-insured banks, $245M in customer deposits, and $226M in net loans. Capital-wise, the Tier 1 ratio sits at 9.68%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 5.46%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of D (41 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Seneca Savings Bank, National Association sits 92nd 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
$15M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Seneca Savings Bank, National Association reports a Texas Ratio of 5.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Seneca Savings Bank, National Association
Seneca Savings Bank, National Association's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.68% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Seneca Savings Bank, National Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Seneca Savings Bank, National Association (FDIC Cert #29496) - 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 Seneca Savings Bank, National Association's health grade?▼
Seneca Savings Bank, National Association receives a health grade of D (41/100) 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 notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Seneca Savings Bank, National Association?▼
Seneca Savings Bank, National Association holds $312M in total assets and $245M in deposits, ranking 2,432nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Baldwinsville, New York.
Is my money safe at Seneca Savings Bank, National Association?▼
Yes, deposits at Seneca Savings Bank, National Association (Certificate #29496) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Seneca Savings Bank, National Association's Tier 1 Capital Ratio?▼
Seneca Savings Bank, National Association has a Tier 1 Capital Ratio of 9.68%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Seneca Savings Bank, National Association?▼
Seneca Savings Bank, National Association has a Texas Ratio of 5.46%. 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 Seneca Savings Bank, National Association?▼
Seneca Savings Bank, National Association has an Efficiency Ratio of 85.71%. 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 Seneca Savings Bank, National Association's profile as a depositor or analyst.
- Seneca Savings Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Seneca Savings Bank, National Association 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.