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BDI
SS

Seneca Savings Bank, National Association

Baldwinsville, New YorkFDIC Cert #29496

OCCEstablished 19285 branches

Holding company: SENECA BCORP INCRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.34%
+94.2%y/y
Peer standing18th percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.01%
−12.4%y/y
Peer standing34th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
1.13%
+168.2%y/y
Peer standing22nd percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
1.15%
+161.8%y/y
Peer standing24th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.85%
+165.1%y/y
Peer standing24th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$2.7M
+198.8%y/y
Peer standing36th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.06%
−56.1%y/y
Peer standing22nd percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
$34K
−52.8%y/y
Peer standing26th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.85%
−4.8%y/y
Percentile by value11th percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$3.16M
+121.7%y/y
Peer standing29th percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$32K
0.0%y/y
Peer standing35th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$2.67M
+206.1%y/y
Peer standing30th percentile
Peer standing in asset:300m_1b
FDICNAASSET