Seneca Savings Bank, National Association

Headquarters: Baldwinsville, New York
Charter: Bank
Assets: $312.5M
Fed district: New York
Regulator: OCC
Holding company: Seneca Bancorp Inc.

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 19, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 19, 2026

How these figures are measured

Call-report figures are for Seneca Savings Bank, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Seneca Savings Bank, National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 19, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Seneca Savings Bank, National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $118K in Q2 2026, 51% above the same quarter a year earlier ($78K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Seneca Savings Bank, National Association: $30
Seneca Savings Bank, National Association: $30
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
Seneca Savings Bank, National Association: $1 to $2
Seneca Savings Bank, National Association: $1 to $2
U.S. median: no median
Wire Transfer (Domestic Out)
Seneca Savings Bank, National Association: $25
Seneca Savings Bank, National Association: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 23% from Q3 2025 to Q2 2026, to $118K.

Service-charge income, Q2 2026

$118K

$96KQ3 2025

$106KQ4 2025

$103KQ1 2026

$118KQ2 2026

Against the median

Seneca Savings Bank, National AssociationMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Seneca Savings Bank, National Association · $312M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$306M to $320M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Seneca Savings Bank, National Association(this institution)	Baldwinsville, NY	$312M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
1NB Bank	Carlyle, IL	$319M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of Coushatta	Coushatta, LA	$317M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Montana	Missoula, MT	$309M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Yazoo City	Yazoo City, MS	$318M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Centera Bank	Sublette, KS	$318M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Independent Bank	Saint Louis Park, MN	$314M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Winslow, IL	$311M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank	Longview, TX	$315M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dearborn Federal Savings Bank	Dearborn, MI	$307M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First National Bank of South Carolina	Holly Hill, SC	$310M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Secure State Bank	Wonder Lake, IL	$306M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gateway Bank	Mendota Heights, MN	$320M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Guaranty Bank and Trust Company	New Roads, LA	$319M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Horatio State Bank	Horatio, AR	$312M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
People's Bank and Trust Company of Pickett County	Byrdstown, TN	$319M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
PEOPLES BANK	Sheridan, AR	$314M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PrinsBank	Prinsburg, MN	$308M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Profile Bank	Rochester, NH	$317M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sewickley Savings Bank	Sewickley, PA	$316M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
State Bank of Graymont	Graymont, IL	$313M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The National Iron Bank	Salisbury, CT	$318M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The Payne County Bank	Perkins, OK	$313M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
TNBANK	Oak Ridge, TN	$318M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Washington State Bank	Washington, LA	$309M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wray State Bank	Wray, CO	$312M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Seneca Savings Bank, National Association does not publish a monthly maintenance fee in the index.

The peer median is $6.75 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 21, 2026.

Monthly maintenance fee in dollars, one mark per institution

Seneca Savings Bank, National Association does not publish a monthly maintenance fee, so it is not on this chart.

Seneca Savings Bank, Nati…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 21, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Seneca Savings Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $118K
vs prior quarter: +$15K+14.6%; from Q1 2026
vs a year earlier: +$40K+51.3%; from Q2 2025
vs start of range: +$28K+31.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Seneca Savings Bank, National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$118K	+$15K	+14.6%
Q1 2026	$103K	−$3K	−2.8%
Q4 2025	$106K	+$10K	+10.4%
Q3 2025	$96K	+$18K	+23.1%
Q2 2025	$78K	+$4K	+5.4%
Q1 2025	$74K	−$11K	−12.9%
Q4 2024	$85K	−$5K	−5.6%
Q3 2024	$90K	+$13K	+16.9%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Seneca Savings Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

Account Closed within 1 year$20
Abandoned Property (per acct.)$30
Inactive checking acct. fee (per month-inactive 12 months/bal. less than $200.00)$2
per month
Account reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements (per statement period, installment only)$5
per month

Overdraft & NSF

Per debit item presented against Insufficient funds (NSF)$30
per item
Per debit item presented against Uncollected funds (NSF)$30
per item
Automatic Overdraft Account-to-Account Transfer Fee$5

ATM & Card

Foreign ATM balance inquiry$1
Foreign ATM withdrawal$2
Check card replacement (each)$5
per item

Wire Transfers

Domestic Wire Transfers- Outcoming$25
Domestic Wire Transfers- Incoming$20
International Wire Transfers- Outcoming$40
International Wire Transfers- Incoming$25

Check Services

Official checks (customer)$1.50
Money Order (customer)$2
Money Orders (Sr. Citizen 60+)$1
Stop Payment$20
Counter Check$1
Collection Items$15
Photocopy paid check$5

Cash & Deposit

Returned deposited item$10
Night Depository Key (per key)$5
per item

Account Services

Notary Public$2
1 lost safe deposit box key$25
Not compared: Box drilling or key fee
2 lost safe deposit box keys$125
Not compared: Box drilling or key fee
Legal Process$100

Other Fees

Copy of account statement$5
Copy of transactional data (deposit/withdrawal slip, etc.) per page$5
per item
Faxing (per page)$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 1 year	$20	Not stated	None
Abandoned Property (per acct.)	$30	Not stated	None
Inactive checking acct. fee (per month-inactive 12 months/bal. less than $200.00)	$2	per month	None
Account reconciliation (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements (per statement period, installment only)	$5	per month	None
Overdraft & NSF
Per debit item presented against Insufficient funds (NSF)	$30	per item	None
Per debit item presented against Uncollected funds (NSF)	$30	per item	None
Automatic Overdraft Account-to-Account Transfer Fee	$5	Not stated	None
ATM & Card
Foreign ATM balance inquiry	$1	Not stated	None
Foreign ATM withdrawal	$2	Not stated	None
Check card replacement (each)	$5	per item	None
Wire Transfers
Domestic Wire Transfers- Outcoming	$25	Not stated	None
Domestic Wire Transfers- Incoming	$20	Not stated	None
International Wire Transfers- Outcoming	$40	Not stated	None
International Wire Transfers- Incoming	$25	Not stated	None
Check Services
Official checks (customer)	$1.50	Not stated	None
Money Order (customer)	$2	Not stated	None
Money Orders (Sr. Citizen 60+)	$1	Not stated	None
Stop Payment	$20	Not stated	None
Counter Check	$1	Not stated	None
Collection Items	$15	Not stated	None
Photocopy paid check	$5	Not stated	None
Cash & Deposit
Returned deposited item	$10	Not stated	None
Night Depository Key (per key)	$5	per item	None
Account Services
Notary Public	$2	Not stated	None
1 lost safe deposit box key	$25Not compared: Box drilling or key fee	Not stated	None
2 lost safe deposit box keys	$125Not compared: Box drilling or key fee	Not stated	None
Legal Process	$100	Not stated	None
Other Fees
Copy of account statement	$5	Not stated	None
Copy of transactional data (deposit/withdrawal slip, etc.) per page	$5	per item	None
Faxing (per page)	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 19, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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