Massena Savings and Loan

Overview / Commentary
255 Main Street
Massena, NY 13662

Massena Savings and Loan is headquartered in MASSENA and is the 103rd largest bank in the state of New York. It is also the 3,165th largest bank in the nation. It was established in 1924 and as of December of 2023, it had grown to 22 employees at 2 locations. Massena Savings and Loan has an A health rating.


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Health Grade Components

FDIC Certificate #30429
Year Established1924
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD4.91%
Annual Interest Income$8.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$182.7MM$172.3MM
LoansQ4 2023vs Q4 2022$163.4MM$157.8MM
DepositsQ4 2023vs Q4 2022$133MM$123.8MM
Equity CapitalQ4 2023vs Q4 2022$26.4MM$25.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$1.4MM$1.4MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$2.6MM$1.9MM
Real Estate OwnedQ4 2023vs Q4 2022$40K$35K

Rates for Massena Savings and Loan are currently being reviewed.


Massena Savings and Loan Locations
Waddington Branch155 Lincoln AvenueWaddington, NY 13694
Massena Savings and Loan255 Main StMassena, NY 13662

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