Compared with New York
7 of 21
compared fees are above the median.
8 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
79th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New York median
of 21 compared; 8 below, 6 about the same
See the feesFee schedule read Oct 19, 2026
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 | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New York median | Published fees above the New York 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
Service charges were 3.8% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (79th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
7 of 21 compared published fees sit above the New York median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New York medians for fees published by banks and credit unions.
Paper Statement
NSF / Returned Item
Non-Network ATM
Compared at $1.50, the middle of its prices
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.
Service-charge income rose 23% from Q3 2025 to Q2 2026, to $118K. Its share of revenue, 3.8%, is above the 2.1% median for banks with $300M to $1B in assets.
$118K
Seneca Savings Bank, National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $1 to $2; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Seneca Savings Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| 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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Seneca Savings Bank, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Seneca Savings Bank, National Association by share.
Amounts from Seneca Savings Bank, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed within 1 year | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Abandoned Property (per acct.) | $30Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive checking acct. fee (per month-inactive 12 months/bal. less than $200.00) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statements (per statement period, installment only) | $5Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Per debit item presented against Insufficient funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Per debit item presented against Uncollected funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automatic Overdraft Account-to-Account Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM balance inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Foreign ATM withdrawal | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Check card replacement (each) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Transfers- Outcoming | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Wire Transfers- Incoming | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfers- Outcoming | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Wire Transfers- Incoming | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official checks (customer) | $1.50Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order (customer) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders (Sr. Citizen 60+) | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Items | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Photocopy paid check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned deposited item | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Night Depository Key (per key) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Notary Public | $2Inside the U.S. middle 50% ($0 to $5 nationally) | 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 | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Copy of account statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of transactional data (deposit/withdrawal slip, etc.) per page | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Faxing (per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
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.
Where Seneca Savings Bank, National Association operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $246.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $246.6M |
Syracuse, NY
1.5% of bank deposits, #12 of 15, up 0.5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 22.5% |
| KeyBank National Association | 15.7% |
| JPMorgan Chase Bank, National Association | 11.3% |
| NBT Bank, National Association | 9.6% |
| Community Bank, National Association | 9.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Syracuse, NY, Seneca Savings Bank, National Association holds 1.5% of bank deposits, #12 of 15, with 5 offices.
224 offices of 39 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 15 institutions shown. $16.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.5% share, 5 offices, #12 of 15
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
76 offices of 25 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
Seneca Bancorp, Inc. (OTC: SNNF)
Consolidated assets
$312.4M
Shareholders' equity
$32.8M
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 2072421. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.