Side-by-side · Q2 2026 data
The Upstate National Bank vs Massena Savings and Loan
Metric by metric
| Measure | The Upstate National Bank | Massena Savings and Loan |
|---|---|---|
| TellerScore | 63 | 73 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 100 (stronger) | 57 |
| Earnings | 23 | 63 (stronger) |
| Funding & liquidity | 50 | 50 |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 24th | 53rd |
| Total assets | $294.8M | $199.9M |
| Deposits / shares | $208.8M | $148.2M |
| Capital ratio | 10.19% | 15.15% (stronger) |
| Problem loans | 0.00% (stronger) | 1.30% |
| Net charge-offs | -0.00% (stronger) | 0.11% |
| Return on assets | 0.07% | 1.09% (stronger) |
| Loans ÷ deposits | 110.3% (stronger) | 121.7% |
| Uninsured deposits | 10.2% (stronger) | 12.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Massena Savings and Loan has the higher TellerScore (73 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Upstate National Bank leads on 4 and Massena Savings and Loan on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.