Call reports 2026
MASSENA SAVINGS AND LOAN — 2026
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 200,570,000 | 199,862,000 |
| Total loans | 181,535,000 | 181,543,000 |
| Allowance for loan losses | 1,264,000 | 1,261,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 149,481,000 | 148,165,000 |
| Interest-bearing deposits | 141,067,000 | 139,906,000 |
| Noninterest-bearing deposits | 8,414,000 | 8,259,000 |
| Equity capital | 29,767,000 | 30,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 2,835,000 | 5,741,000 |
| Interest expense | 1,151,000 | 2,306,000 |
| Net interest income | 1,684,000 | 3,435,000 |
| Noninterest income | 82,000 | 177,000 |
| Noninterest expense | 1,087,000 | 2,102,000 |
| Provision for loan losses | 58,000 | 149,000 |
| Pretax income | 621,000 | 1,361,000 |
| Income tax | 125,000 | 275,000 |
| Net income | 496,000 | 1,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 29,767,000 | 30,357,000 |
| Total capital | 31,031,000 | 31,618,000 |
| Risk-weighted assets | 132,625,000 | 132,809,000 |