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Massena Savings and Loan

$100M-$1B Specialty: Mortgage NY FDIC cert 30429

Designations: ✓ Mutual

Massena, NY

2 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 +0.7% year over year ($148.2M on the books).
  • Delinquency rate 1.31%.
  • Return on assets 1.09%.
  • Efficiency ratio 58.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 121.68% 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) →

Massena Savings and Loan has 1 strength but faces 5 concerns

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

  • + Efficiency Ratio 6.28% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 7.0% in tier
  • - Non-Interest-Bearing Deposit Share 16.46% below tier average
  • - ROA 0.24% below tier average
  • - Net Interest Margin 0.37% below tier average
  • - Delinquency Rate 0.39% above tier average
Get updates when Massena Savings and Loan releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $199.9M
+5.9% YoY -0.4% QoQ
-$186.7M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $180.3M
+6.4% YoY +0.0% QoQ
-$78.1M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
43%
Total Deposits ? $148.2M
+0.7% YoY -0.9% QoQ
-$178.6M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 1.09%
+40.0% YoY +9.5% QoQ
-0.24% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 3.62%
+11.3% YoY +2.1% QoQ
-0.37% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
33%
Efficiency Ratio ? 58.19%
-13.8% YoY -5.5% QoQ
-6.28% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 1.31%
-22.4% YoY -7.8% QoQ
+0.39% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
22%
Loan-to-Deposit Ratio ? 121.68%
+5.7% YoY +0.9% QoQ
+43.72% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 0.8% in tier
Non-Interest-Bearing Deposit Share ? 5.57%
-5.2% YoY -1.0% QoQ
-16.46% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Bottom 4.2% in tier
Nonperforming Asset Ratio ? 1.37%
-18.5% YoY -3.0% QoQ
+0.70% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
Bottom 13.8% in tier
Tier 1 Capital Ratio ? 22.86%
-0.2% YoY +1.8% QoQ
+6.95% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 9.2% in tier
Non-Interest Income / Assets ? 0.09%
+3.8% YoY +116.6% QoQ
-0.48% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
15%

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 5.6%
-0.3pp YoY
-0.1pp QoQ
 -16.6pp 22.1% 22.1% 22.2% 4%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 8.0% 8.5% 3%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 0.5%
-0.3pp YoY
-0.1pp QoQ
 -11.1pp 11.6% 11.0% 12.5% 2%
CRE 4.2%
+1.2pp YoY
-0.4pp QoQ
 -35.3pp 39.5% 46.2% 41.4% 1%
1-4 Family 85.6%
-0.2pp YoY
+0.6pp QoQ
 +52.9pp 32.6% 36.6% 31.3% 98%
Consumer 10.5%
-0.8pp YoY
-0.1pp QoQ
 +6.3pp 4.1% 5.1% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 22.9%
0.0pp YoY
+0.4pp QoQ
 +4.0pp 18.8% 26.1% 19.7% 85%
Leverage Ratio 15.1%
+0.1pp YoY
+0.2pp QoQ
 +3.0pp 12.2% 13.9% 12.6% 87%
Total Capital Ratio 23.8%
-0.1pp YoY
+0.4pp QoQ
 +3.9pp 19.9% 27.2% 20.8% 85%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 23
+1 (+4.5%) YoY
+1 (+4.5%) QoQ
 -36 58 914 482 15%
Assets per Employee ($) $8.7M
+1.3% YoY
-4.7% QoQ
 +$1.2M $7.5M $14.8M $8.8M 76%
Branch Count 2
0 YoY
0 QoQ
 -3 4 27 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 1.3%
-0.4pp YoY
-0.1pp QoQ
 +0.4pp 0.9% 1.3% 1.0% 78%
Allowance Coverage 0.53x
+22.9% YoY
+8.2% QoQ
 -23.62x 24.15x 1.92x 20.23x 11%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 78%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 7.3%
+2.1pp YoY
+0.6pp QoQ
 -4.9pp 12.2% 7.9% 11.6% 22%
Cost of Funds (YTD) 2.4%
-0.1pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.8% 1.7% 88%
Net Income ($, YTD) $1.1M
+49.4% YoY
— QoQ
 -$1.5M $2.6M $111.2M $40.4M 29%

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)

Liquidity Overhang

risk
#53 of 742 • Bottom 7.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 22.86%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 121.68%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

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

Top Strengths (1 metrics)

243
Tier 1 Capital Ratio
capital
Value: 22.86%
Peer Median: 15.91%
#243 of 2643 Top 9.2% in $100M-$1B

Top Weaknesses (6 metrics)

2622
Loan-to-Deposit Ratio
liquidity
Value: 121.68%
Peer Median: 77.95%
#2622 of 2643 Bottom 0.8% in $100M-$1B
2532
Non-Interest-Bearing Deposit Share
funding
Value: 5.57%
Peer Median: 22.03%
#2532 of 2643 Bottom 4.2% in $100M-$1B
2278
Nonperforming Asset Ratio
credit_quality
Value: 1.37%
Peer Median: 0.67%
#2278 of 2643 Bottom 13.8% in $100M-$1B
2242
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2242 of 2643 Bottom 15.2% in $100M-$1B
2084
Total Deposits
size
Value: $148.16M
Peer Median: $326.73M
#2084 of 2643 Bottom 21.2% in $100M-$1B
2063
Delinquency Rate
credit_quality
Value: 1.31%
Peer Median: 0.92%
#2063 of 2633 Bottom 21.7% in $100M-$1B
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