Bank · FDIC insured
Massena Savings & Loan Association
A $199.9M bank headquartered in Massena, NY, with 2 branches in New York. Best rates: CDs 4.90% and savings 0.51% APY.
Massena Savings & Loan Association Carrot Score
79
Carrot Score
Higher than 50% of U.S. banks and credit unions
#4 of 9 in Massena, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Massena Savings & Loan Association
Massena Savings & Loan is a bank headquartered in Massena, New York, founded in 1924.
Its initial purpose was to promote thrift and home ownership, serving the people of Massena and surrounding communities for over 100 years.
- Headquarters
- 255 Main St, Massena, NY 13662
- FDIC certificate
- 30429 ↗
Branches
2 branches in New York
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New York
2 branches
- Massena Savings and LoanMain office255 Main St, Massena, NY 13662Directions
- Waddington Branch155 Lincoln Ave, Waddington, NY 13694Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.15% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.30% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.09% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $123 | $81 | — |
- CapitalLeverage ratio15.15%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.30%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.09%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$123Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Massena Savings & Loan Association are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.