BlastPoint's Banking Scorecard

Seneca Savings Bank, National Association

$100M-$1B Specialty: Commercial NY FDIC cert 29496

Baldwinsville, NY

5 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits +5.7% year over year ($246.6M on the books).
Delinquency rate 1.13%.
Return on assets 0.19%.
Efficiency ratio 89.11% vs a 64.48% peer average.
Loan-to-deposit ratio 96.05% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

Seneca Savings Bank, National Association faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 31.5% in tier
- Return on Assets 1.13% below tier average
- Efficiency Ratio 24.63% above tier average
- Net Interest Margin 0.41% below tier average
- Delinquency Rate 0.21% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$312.5M +4.5% YoY -1.1% QoQ	-$74.1M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$236.9M +12.9% YoY +1.5% QoQ	-$21.5M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	56%
Total Deposits ?	$246.6M +5.7% YoY -1.7% QoQ	-$80.1M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	44%
Return on Assets ?	0.19% +191.1% YoY +92.5% QoQ	-1.13%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 5.4% in tier
Net Interest Margin ?	3.57% +6.6% YoY +3.6% QoQ	-0.41%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	89.11% +4.9% YoY -2.8% QoQ	+24.63%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 6.2% in tier
Delinquency Rate ?	1.13% +434.1% YoY +3.4% QoQ	+0.21%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	25%
Loan-to-Deposit Ratio ?	96.05% +6.9% YoY +3.2% QoQ	+18.10%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Bottom 14.9% in tier
Non-Interest-Bearing Deposit Share ?	17.87% +10.9% YoY +4.3% QoQ	-4.16%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	36%
Nonperforming Asset Ratio ?	0.86% +183.9% YoY +0.2% QoQ	+0.19%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	24%
Tier 1 Capital Ratio ?	9.84% +4.6% YoY +0.6% QoQ	-6.07%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Bottom 8.7% in tier
Non-Interest Income / Assets ?	0.33% +12.9% YoY +107.8% QoQ	-0.23%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	77%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	17.9% +1.8pp YoY +0.7pp QoQ	-4.3pp	22.1%	22.1%	22.2%	35%
Brokered Deposits	7.8% 0.0pp YoY +1.5pp QoQ	-0.1pp	7.9%	8.0%	8.5%	68%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	10.7% +0.1pp YoY +0.3pp QoQ	-0.8pp	11.6%	11.0%	12.5%	57%
CRE	35.8% +5.5pp YoY +0.1pp QoQ	-3.8pp	39.5%	46.2%	41.4%	44%
1-4 Family	52.5% -5.0pp YoY -0.4pp QoQ	+19.9pp	32.6%	36.6%	31.3%	84%
Consumer	1.7% -0.7pp YoY -0.2pp QoQ	-2.4pp	4.1%	5.1%	5.0%	43%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	26.1%	19.7%	n/a
Leverage Ratio	9.8% +0.4pp YoY +0.1pp QoQ	-2.3pp	12.2%	13.9%	12.6%	27%
Total Capital Ratio	n/a	n/a	19.9%	27.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	58 -5 (-7.9%) YoY -4 (-6.5%) QoQ	-1	58	914	482	61%
Assets per Employee ($)	$5.4M +13.5% YoY +5.7% QoQ	-$2.1M	$7.5M	$14.8M	$8.8M	21%
Branch Count	5 0 YoY 0 QoQ	0	4	27	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.4%	39%
Nonaccrual	1.1% +0.7pp YoY -0.1pp QoQ	+0.1pp	0.9%	1.3%	1.0%	73%
Allowance Coverage	0.69x -82.5% YoY -12.0% QoQ	-23.46x	24.15x	1.92x	20.23x	17%
Net Charge-off Rate (YTD)	0.1% -0.5pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	81%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	2.1% +1.3pp YoY +1.0pp QoQ	-10.1pp	12.2%	7.9%	11.6%	6%
Cost of Funds (YTD)	2.0% -0.1pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.8%	1.7%	70%
Net Income ($, YTD)	$296,000 +218.3% YoY — QoQ	-$2.3M	$2.6M	$111.2M	$40.4M	6%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#209 of 661 • Bottom 31.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.84%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

599

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#599 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (5 metrics)

2500

Return on Assets

profitability

Value: 0.19%

Peer Median: 1.32%

#2500 of 2643 Bottom 5.4% in $100M-$1B

2479

Efficiency Ratio

profitability

Value: 89.11%

Peer Median: 64.48%

#2479 of 2643 Bottom 6.2% in $100M-$1B

2415

Tier 1 Capital Ratio

capital

Value: 9.84%

Peer Median: 15.91%

#2415 of 2643 Bottom 8.7% in $100M-$1B

2250

Loan-to-Deposit Ratio

liquidity

Value: 96.05%

Peer Median: 77.95%

#2250 of 2643 Bottom 14.9% in $100M-$1B

1999

Nonperforming Asset Ratio

credit_quality

Value: 0.86%

Peer Median: 0.67%

#1999 of 2643 Bottom 24.4% in $100M-$1B