Side-by-side · Q2 2026 data
Bank of Millbrook vs Seneca Savings Bank, National Association
Bank
Seneca Savings Bank, National Association
Baldwinsville, New York · $100 million – $1 billion
Metric by metric
| Measure | Bank of Millbrook | Seneca Savings Bank, National Association |
|---|---|---|
| TellerScore | 73 (stronger) | 51 |
| Capital cushion | 71 (stronger) | 48 |
| Loan quality | 41 | 63 (stronger) |
| Earnings | 100 (stronger) | 28 |
| Funding & liquidity | 86 (stronger) | 46 |
| Problem-loan coverage | 88 (stronger) | 82 |
| Peer percentile | 53rd | 8th |
| Total assets | $311.7M | $312.5M |
| Deposits / shares | $269.8M | $246.6M |
| Capital ratio | 12.11% (stronger) | 9.84% |
| Problem loans | 1.76% | 1.12% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.14% |
| Return on assets | 2.23% (stronger) | 0.19% |
| Loans ÷ deposits | 50.3% (stronger) | 96.0% |
| Uninsured deposits | 28.2% (stronger) | 31.0% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.2% | 13.7% |
Bank of Millbrook has the higher TellerScore (73 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Bank of Millbrook leads on 6 and Seneca Savings Bank, National Association on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.