Seneca Bancorp, Inc. (SNNF)

Seneca Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	8.15	5.33	6.79	3.92	4.43	3.53
Investment Securities	25.84	37.72	40.73	28.87	31.71	36.06
Mortgage-Backed Securities	9.27	10.92	5.76	6.57	7.36	7.74
Total Investments	35.12	48.64	46.48	35.44	39.07	43.8
Gross Loans	238.56	227.95	204.23	198.5	174.61	151.94
Allowance for Loan Losses	-1.85	-1.92	-1.8	-2.05	-1.89	-1.9
Net Loans	236.71	226.03	202.43	196.46	172.72	150.04
Property, Plant & Equipment	13.28	13.19	8.8	5.85	5.65	5.8
Goodwill	0.41	0.41	0.41	0.41	-	-
Other Intangible Assets	0.35	0.43	0.58	0.74	-	-
Accrued Interest Receivable	1.51	1.48	1.25	1.16	1.04	0.92
Other Real Estate Owned & Foreclosed	-	-	-	-	0.13	0.04
Other Long-Term Assets	13.49	13.34	10.84	9.75	8.97	8.42
Total Assets	312.38	312.11	280.94	256.73	234.47	215.16

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	161.85	164.11	141.63	135.66	133.25	119.08
Institutional Deposits	40.7	38.1	38.3	28.5	25.5	14.6
Non-Interest Bearing Deposits	32.44	32.22	30.64	29.56	25.5	26.39
Total Deposits	234.99	234.43	210.57	193.71	184.25	160.07
Short-Term Borrowings	-	1	2	2	-	1.3
Current Portion of Long-Term Debt	4	9.81	-	6	7.5	-
Federal Home Loan Bank Debt, Long-Term	30.63	24.75	39.25	27.5	17.5	23.65
Pension & Post-Retirement Benefits	0.28	0.22	0.19	0.17	0.15	0.17
Long-Term Deferred Tax Liabilities	-	0.95	0.75	0.53	-	1.01
Other Long-Term Liabilities	9.7	8.2	4.31	4.16	4.04	4.61
Total Liabilities	279.6	279.36	257.08	234.08	213.44	190.81

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	0.02	0.02	0.01	0.01	0.01	0.01
Additional Paid-In Capital	15.26	15.19	8.12	8.05	7.97	7.92
Retained Earnings	22.59	22.55	22.38	21.67	20.91	19.29
Treasury Stock	-	-	-1.56	-1.49	-1.04	-0.97
Comprehensive Income & Other	-5.09	-5	-5.09	-5.58	-6.82	-1.89
Shareholders' Equity	32.78	32.75	23.86	22.65	21.03	24.36
Total Liabilities & Equity	312.38	312.11	280.94	256.73	234.47	215.16

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	34.63	35.57	41.25	35.5	25	24.95
Net Cash (Debt)	-26.48	-30.24	-34.47	-31.58	-20.57	-21.42
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-15.33	-17.29	-20.22	-18.22	-11.68	-12.01
Filing Date Shares Outstanding	1.65	1.66	1.72	1.73	1.76	1.78
Total Common Shares Outstanding	1.65	1.66	1.72	1.73	1.76	1.78
Book Value Per Share	19.90	19.68	13.86	13.10	11.93	13.66
Tangible Book Value	32.01	31.91	22.86	21.5	21.03	24.36
Tangible Book Value Per Share	19.44	19.17	13.28	12.43	11.93	13.66

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 20, 2026

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