TellerScore

Massena Savings and Loan is a savings bank headquartered in Massena, New York, in business for about 102 years. At the end of Q2 2026 it reported $199.9M in total assets and $148.2M in deposits, with 2 offices.

Based on its Q2 2026 filing, Massena Savings and Loan scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 34th. Its strongest component is capital cushion (100/100; 15.15%), and its lowest is funding & liquidity (50/100; 122% loans-to-deposits, 13% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.15%
Loan quality57/100
Noncurrent loans ÷ total loans: 1.30%
Earnings63/100
Return on assets (annualized): 1.09%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 121.7% · 12.8% uninsured
Problem-loan coverage83/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.64%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (67 → 73), mostly because the loan quality component improved by 13 points.

TellerScore
656973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202465
Q4 202468
Q1 202569
Q2 202567
Q3 202569
Q4 202571
Q1 202671
Q2 202673
Tier 1 leverage ratio
5.00%10.07%15.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.54%
Q3 202414.39%
Q4 202414.69%
Q1 202514.97%
Q2 202515.03%
Q3 202515.14%
Q4 202514.80%
Q1 202614.96%
Q2 202615.15%
Noncurrent loans
1.24%1.46%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.36%
Q3 20241.51%
Q4 20241.34%
Q1 20251.36%
Q2 20251.68%
Q3 20251.49%
Q4 20251.24%
Q1 20261.41%
Q2 20261.30%
Return on assets
0.56%0.82%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.60%
Q4 20240.65%
Q1 20250.65%
Q2 20250.78%
Q3 20250.91%
Q4 20250.87%
Q1 20260.99%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$199.9M15.15%1.30%1.09%121.7%
Q1 202671$200.6M14.96%1.41%0.99%120.6%
Q4 202571$199.9M14.80%1.24%0.87%122.2%
Q3 202569$194.4M15.14%1.49%0.91%120.7%
Q2 202567$188.8M15.03%1.68%0.78%115.2%
Q1 202569$187.2M14.97%1.36%0.65%115.0%
Q4 202468$186.7M14.69%1.34%0.65%117.4%
Q3 202465$190.9M14.39%1.51%0.60%118.7%
Q2 202466$187.0M14.54%1.36%0.56%120.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.15%
87th
Total risk-based capital23.81%
92nd
Problem loans1.30%
21st
Net charge-offs0.11%
19th
Return on assets1.09%
39th
Net interest margin3.62%
33rd
Efficiency ratio58.2%
63rd
Loans to deposits121.7%
1st
Uninsured deposits12.8%
88th
Loan-loss reserves0.69%
8th
Texas ratio8.6%
21st

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Gouverneur Savings and Loan AssociationBank Gouverneur, NY74 out of 100, Strong$198.9M14.5%1.00%vs
The First National Bank of DrydenBank Dryden, NY80 out of 100, Strong$203.9M13.5%0.93%vs
The First National Bank of GrotonBank Groton, NY78 out of 100, Strong$203.9M14.6%1.62%vs
First Federal Savings of MiddletownBank Middletown, NY89 out of 100, Very strong$188.0M36.9%0.00%vs
Savannah Bank National AssociationBank Savannah, NY66 out of 100, Moderate$187.2M8.9%0.23%vs
Bank of RichmondvilleBank Cobleskill, NY77 out of 100, Strong$185.9M11.5%0.18%vs

Deposit insurance

Is my money safe at Massena Savings and Loan?

Yes. Massena Savings and Loan is an FDIC-insured institution (FDIC certificate #30429). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.8% of deposits ($19.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.81% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Massena Savings and Loan lists 2 offices in 2 cities. Most locations:

  • Massena, NY (1)
  • Waddington, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Massena Savings and Loan
Former names
Massena Savings and Loan Association
Type
Savings bank
FDIC certificate #
30429
RSSD ID
454975
Primary regulator
OCC
Established
January 1, 1924
Headquarters
255 Main St, Massena, NY 13662
Employees
23

Quick answers

Massena Savings and Loan: common questions

Is Massena Savings and Loan FDIC insured?

Yes. Massena Savings and Loan is an FDIC-insured institution (FDIC certificate #30429). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Massena Savings and Loan's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Massena Savings and Loan ever failed?

There is no failure record for FDIC certificate #30429 in the FDIC failed bank list.

How many branches does Massena Savings and Loan have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Massena

InstitutionScoreAssetsCapitalProblem loansCompare
Sea Comm Federal Credit UnionCredit union Massena, NY89 out of 100, Very strong$777.3M18.0%0.63%vs
Twin Rivers Federal Credit UnionCredit union Massena, NY83 out of 100, Strong$39.2M13.1%0.22%vs
The North Country Savings BankBank Canton, NY78 out of 100, Strong$373.5M14.5%0.82%vs
Trunorthern Federal Credit UnionCredit union Malone, NY76 out of 100, Strong$111.7M11.7%0.25%vs
NBT Bank, National AssociationBank Norwich, NY64 out of 100, Moderate$16.1B9.5%0.55%vs
KeyBank National AssociationBank Cleveland, OH63 out of 100, Moderate$188.6B9.9%0.86%vs