Massena Savings&Loan
Massena, New York · FDIC Cert #30429
Massena Savings&Loan is an FDIC-insured bank (Certificate #30429) with $187M in total assets and $137M in total deposits as of the Q2 2024 Call Report. Headquartered in Massena, New York, the bank maintains a Tier 1 capital ratio of 22.21% (Well-Capitalized) and a nonperforming loan ratio of 1.36%. BankHealthData assigns a composite Health Grade of C (64/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Massena Savings&Loan (FDIC cert 30429) is a community bank — $187M in total assets, $137M in deposits, serving the Massena, New York area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 22.21% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.36% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 7.1% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.69% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Massena Savings&Loan carries a composite BankHealth grade of C (64/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Massena Savings&Loan
- Total Assets
- $187M
- Total Deposits
- $137M
- Tier 1 Capital Ratio
- 22.21%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.36%
- Liquidity Ratio
- 7.13%
- Return on Assets
- 0.69%
- Headquarters
- Massena, New York
- FDIC Certificate
- #30429
- Health Grade
- C (64/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Massena Savings&Loan holds a Tier 1 capital ratio of 22.21%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Massena Savings&Loan has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Massena Savings&Loan shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Massena Savings&Loan Compares
Massena Savings&Loan’s Health Score of 64 is 7 points below the New York state average of 71 across 130 FDIC-insured banks. Its 22.21% Tier 1 capital ratio is 8.2 points above the US banking industry average near 14%. The 1.36% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.69% is below the national ROA benchmark of ~1.1%. Among 1502 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Massena Savings&Loan is 6 points below the portfolio average of 70.
Frequently Asked Questions
Massena Savings&Loan has a Bank Health Score of C (64/100), placing it in average financial health. It holds a Tier 1 capital ratio of 22.21%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Massena Savings&Loan's Tier 1 capital ratio of 22.21% and nonperforming loan ratio of 1.36% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Massena Savings&Loan is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30429). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Massena Savings&Loan holds $187M in total assets and $137M in total deposits. It is headquartered in Massena, New York (FDIC Certificate #30429).
Massena Savings&Loan has a Tier 1 capital ratio of 22.21%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.36%, and the return on assets is 0.69%.
Yes. Massena Savings&Loan is FDIC-insured (Certificate #30429). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Massena Savings&Loan's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.