Side-by-side · Q2 2026 data
Seneca Savings Bank, National Association vs American Community Bank
Bank
Seneca Savings Bank, National Association
Baldwinsville, New York · $100 million – $1 billion
Metric by metric
| Measure | Seneca Savings Bank, National Association | American Community Bank |
|---|---|---|
| TellerScore | 51 | 78 (stronger) |
| Capital cushion | 48 | 84 (stronger) |
| Loan quality | 63 | 100 (stronger) |
| Earnings | 28 | 65 (stronger) |
| Funding & liquidity | 46 (stronger) | 32 |
| Problem-loan coverage | 82 | 100 (stronger) |
| Peer percentile | 8th | 72nd |
| Total assets | $312.5M | $306.5M |
| Deposits / shares | $246.6M | $249.4M |
| Capital ratio | 9.84% | 13.37% (stronger) |
| Problem loans | 1.12% | 0.00% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 0.19% | 1.12% (stronger) |
| Loans ÷ deposits | 96.0% (stronger) | 99.2% |
| Uninsured deposits | 31.0% (stronger) | 41.3% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 0.0% |
American Community Bank has the higher TellerScore (78 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Seneca Savings Bank, National Association leads on 2 and American Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.