SCHEDULE 13D 0001807896 XXXXXXXX LIVE Common Stock, $0.01 Par Value 10/15/2025 false 0002072421 816945109 Seneca Bancorp, Inc.

35 Oswego Street Baldwinsville NY 13027

Mark Zames (518) 618-8605 212 Fayette Street Manlius NY 13104 0001807896 Zames Mark PF X1 165023 0 165023 0 165023 N 9.2 IN Common Stock, $0.01 Par Value Seneca Bancorp, Inc. 35 Oswego Street Baldwinsville NY 13027 Mark Zames 212 Fayette Street Manlius, New York 13104 Mr. Zames is a business consultant and investor. Mr. Zames has not, during the last five years, been convicted in any criminal proceeding (excluding traffic violations or similar misdemeanors.) Mr. Zames has not, during the last five years, been a party to a civil proceeding of a judicial or administrative body of competent jurisdiction and has not, as a result of such proceeding, been subject to a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violation with respect to such laws. Mr. Zames is a U.S. citizen. The shares of the Issuer's Common Stock were purchased with personal funds. The shares covered by this Schedule 13D are being held for investment purposes. Mr. Zames may, from time to time, acquire additional securities of the Issuer using personal funds through a broker and/or privately negotiated transactions or dispose of securities. Mr. Zames does not currently have specific plans or proposals for the Issuer but as a director of the Issuer will continue to evaluate plans or proposals for transactions if applicable such as the acquisition or disposition of securities of the Issuer, mergers or acquisitions relating to the Issuer or its subsidiaries, changes in the board of directors or management of the Issuer, changes in the capitalization or dividend policy of the Issuer, changes in the Issuer's business, changes in the Issuer's Articles of Incorporation or Bylaws or other similar related transactions. As of the date hereof, Mr. Zames beneficially owns, in the aggregate, 165,023 shares of the Issuer's Common Stock (including 2,789 shares that can be acquired pursuant to stock options within 60 days of October 15, 2025), representing 9.2% of the 1,792,992 shares of the Common Stock deemed outstanding for such purpose. Mr. Zames has sole voting and dispositive power with respect to 165,023 shares of the Issuer's Common Stock. The following transactions occurred in the last 60 days: 10/15/2025 Purchase - Direct 25,000 shares $10.00 per share None Not applicable Mr. Zames is the Chairman of the Board of Directors of the Issuer. Not applicable Zames Mark /s/ Mark Zames 10/20/2025