🏦Bank Scorer

MASSENA SAVINGS AND LOAN

MASSENA, NY · Supervised by OTS

Est. 1924FDIC #30,429
Satisfactory Same

Current rating · Exam: May 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.99%

Institution Profile

FDIC BankFind

Address

255 Main St, MASSENA, NY

County

St. Lawrence County

Established

January 1, 1924

Total Assets

$201M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 14, 2007

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 19 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$201M

Total Deposits

$149M

Net Loans

$180M

Net Income

$496K

ROA

0.99%

ROE

6.72%

Risk-Based Capital

23.40%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$147M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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