BlastPoint's Banking Scorecard

Seneca Savings Bank, National Association

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

Baldwinsville, NY

5 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Seneca Savings Bank, National Association faces 4 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

- Efficiency Drag: Bottom 38.6% in tier
- Return on Assets 1.17% below tier average
- Net Interest Margin 0.48% below tier average
- Delinquency Rate 0.21% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$315.9M +12.7% YoY +1.2% QoQ	-$70.1M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	49%
Total Loans ?	$233.4M +14.2% YoY +3.2% QoQ	-$22.3M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$250.8M +14.0% YoY +2.2% QoQ	-$77.2M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	0.10% -64.5% YoY -45.5% QoQ	-1.17%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 4.6% in tier
Net Interest Margin ?	3.45% +3.3% YoY +4.3% QoQ	-0.48%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	91.70% +7.4% YoY +7.0% QoQ	+26.42%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 5.3% in tier
Delinquency Rate ?	1.09% +402.5% YoY +54.6% QoQ	+0.21%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	26%
Loan-to-Deposit Ratio ?	93.07% +0.1% YoY +0.9% QoQ	+16.43%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	17.13% +6.2% YoY -2.3% QoQ	-4.89%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	0.85% +165.1% YoY +52.7% QoQ	+0.22%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	9.78% +1.6% YoY +1.1% QoQ	-6.05%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Bottom 6.9% in tier
Non-Interest Income / Assets ?	0.16% +6.5% YoY -73.9% QoQ	-0.12%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	77%

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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)

Efficiency Drag

risk

#161 of 414 • Bottom 38.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 91.70%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

612

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#612 of 2664 Top 22.9% in $100M-$1B

Top Weaknesses (5 metrics)

2543

Return on Assets

profitability

Value: 0.10%

Peer Median: 1.27%

#2543 of 2664 Bottom 4.6% in $100M-$1B

2524

Efficiency Ratio

profitability

Value: 91.70%

Peer Median: 65.29%

#2524 of 2664 Bottom 5.3% in $100M-$1B

2481

Tier 1 Capital Ratio

capital

Value: 9.78%

Peer Median: 15.83%

#2481 of 2664 Bottom 6.9% in $100M-$1B

2178

Loan-to-Deposit Ratio

liquidity

Value: 93.07%

Peer Median: 76.64%

#2178 of 2664 Bottom 18.3% in $100M-$1B

2032

Nonperforming Asset Ratio

credit_quality

Value: 0.85%

Peer Median: 0.64%

#2032 of 2664 Bottom 23.8% in $100M-$1B