XML 91 R80.htm IDEA: XBRL DOCUMENT v3.25.3
SEGMENT INFORMATION - Segment income (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
INTEREST INCOME        
Total interest income $ 3,779 $ 3,414 $ 10,811 $ 9,889
INTEREST EXPENSE        
Total interest expense 1,553 1,325 4,226 3,935
Net interest income 2,226 2,089 6,585 5,954
Provision for credit losses available-for-sale securities    
Provision for credit losses loans receivable 80   701 15
Net interest income after provision for credit losses 2,146 2,089 5,884 5,939
NONINTEREST INCOME        
Gain on sale of fixed assets       6
Earnings on bank-owned life insurance 26 4 78 26
Net gains on sale of residential mortgage loans 63 51 128 73
Total noninterest income 595 531 1,612 1,406
NONINTEREST EXPENSE        
Compensation and employee benefits 1,365 1,227 4,038 3,622
Core processing 435 390 1,146 1,120
Premises and equipment 217 187 662 568
Professional fees 102 56 265 187
Postage & office supplies 23 31 81 87
FDIC premiums 38 30 105 90
Advertising 74 87 257 267
Director fees 38 36 123 124
Other 225 204 649 576
Total noninterest expense 2,517 2,248 7,326 6,641
Income before provision for income taxes 224 372 170 704
PROVISION FOR INCOME TAXES 39 44 33 94
Net income 185 328 137 610
Service fees        
NONINTEREST INCOME        
Non-interest income 33 30 98 91
Income from financial services        
NONINTEREST INCOME        
Non-interest income 245 244 709 667
Fee income        
NONINTEREST INCOME        
Non-interest income 254 206 599 543
Operating Segments | Seneca Savings        
INTEREST INCOME        
Total interest income 3,779 3,414 10,811 9,889
INTEREST EXPENSE        
Total interest expense 1,553 1,325 4,226 3,935
Net interest income 2,226 2,089 6,585 5,954
Provision for credit losses loans receivable 80   701 15
Net interest income after provision for credit losses 2,146 2,089 5,884 5,939
NONINTEREST INCOME        
Gain on sale of fixed assets       6
Earnings on bank-owned life insurance     78 26
Net gains on sale of residential mortgage loans 63 51 128 73
Total noninterest income 342 279 879 715
NONINTEREST EXPENSE        
Compensation and employee benefits 1,248 1,116 3,686 3,304
Core processing 435 390 1,146 1,120
Premises and equipment 211 181 644 550
Professional fees 77 56 240 187
Postage & office supplies 23 30 80 86
FDIC premiums 38 30 105 90
Advertising 72 86 251 261
Director fees 38 36 122 121
Other 173 151 496 425
Total noninterest expense 2,315 2,076 6,770 6,144
Income before provision for income taxes 173 292 (7) 510
PROVISION FOR INCOME TAXES 39 44 33 94
Net income 134 248 (40) 416
Operating Segments | Seneca Savings | Service fees        
NONINTEREST INCOME        
Non-interest income 33 30 98 91
Operating Segments | Seneca Savings | Fee income        
NONINTEREST INCOME        
Non-interest income 246 198 575 519
Operating Segments | Financial Quest        
NONINTEREST INCOME        
Total noninterest income 253 252 733 691
NONINTEREST EXPENSE        
Compensation and employee benefits 117 111 352 318
Premises and equipment 6 6 18 18
Professional fees 25   25  
Postage & office supplies   1 1 1
Advertising 2 1 6 6
Director fees     1 3
Other 52 53 153 151
Total noninterest expense 202 172 556 497
Income before provision for income taxes 51 80 177 194
Net income 51 80 177 194
Operating Segments | Financial Quest | Income from financial services        
NONINTEREST INCOME        
Non-interest income 245 244 709 667
Operating Segments | Financial Quest | Fee income        
NONINTEREST INCOME        
Non-interest income $ 8 $ 8 $ 24 $ 24