Side-by-side · Q2 2026 data
The Upstate National Bank vs Seneca Savings Bank, National Association
Bank
Seneca Savings Bank, National Association
Baldwinsville, New York · $100 million – $1 billion
Metric by metric
| Measure | The Upstate National Bank | Seneca Savings Bank, National Association |
|---|---|---|
| TellerScore | 63 (stronger) | 51 |
| Capital cushion | 52 (stronger) | 48 |
| Loan quality | 100 (stronger) | 63 |
| Earnings | 23 | 28 (stronger) |
| Funding & liquidity | 50 (stronger) | 46 |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 24th | 8th |
| Total assets | $294.8M | $312.5M |
| Deposits / shares | $208.8M | $246.6M |
| Capital ratio | 10.19% (stronger) | 9.84% |
| Problem loans | 0.00% (stronger) | 1.12% |
| Net charge-offs | -0.00% (stronger) | 0.14% |
| Return on assets | 0.07% | 0.19% (stronger) |
| Loans ÷ deposits | 110.3% | 96.0% (stronger) |
| Uninsured deposits | 10.2% (stronger) | 31.0% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.7% |
The Upstate National Bank has the higher TellerScore (63 vs 51). On the 7 directional measures above (where higher or lower is clearly better), The Upstate National Bank leads on 5 and Seneca Savings Bank, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.