SNNF on OTC

Seneca Bancorp, Inc.

American national commercial bank, incorporated in Maryland1

In its 2026 annual report the company says: “The Company is the sole shareholder of Seneca Savings Bank, and as such, is a bank holding company subject to regulation and supervision by the Federal Reserve Board.”3 It is headquartered in Baldwinsville, New York.1 Its shares trade on OTC under the symbol SNNF.1

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Last updated Oct 20, 2026.

Overview

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  • TickerSNNF on OTC1
  • IndustryNational Commercial Banks1
  • HeadquartersBaldwinsville, New York1
  • Incorporated inMD2
  • Business address35 Oswego Street, Baldwinsville, Ny 130272
  • Filer categoryNon-accelerated filer, Smaller reporting company2

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The Company is the successor corporation to Seneca Financial Corp., the former federally chartered mid-tier stock holding company, which was formed in connection with the conversion of Seneca Savings Bank into the mutual holding company form of organization in October 2017, which in turn was a subsidiary of the Mutual Holding Company, which owned a majority of Seneca Financial Corp.’s outstanding common stock.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Securities Commission Income brought in 28% of the revenue Seneca Bancorp, Inc. broke down this way in fiscal 2025.

  1. Securities Commission Income$959.0K428%up 9% from 2024
  2. Fee Income Including Earnings On Bank Owned Life Insurance$854.0K425%up 17% from 2024
  3. Financial Service$854.0K425%up 17% from 2024
  4. Debit Card$328.0K49%up 7% from 2024
  5. Insufficient Fund Fees$313.0K49%up 9% from 2024
  6. Mortgage Banking$93.0K43%up 9% from 2024
  7. Deposit Account$41.0K41%up 8% from 2024
  8. Atm Fee$33.0K41%up 6% from 2024
  9. Insurance Commission Income$10.0K40%down 23% from 2024
Products and services by year
Products and services20242025
Securities Commission Income$880.0K$959.0K
Fee Income Including Earnings On Bank Owned Life Insurance$731.0K$854.0K
Financial Service$731.0K$854.0K
Debit Card$307.0K$328.0K
Insufficient Fund Fees$286.0K$313.0K
Mortgage Banking$85.0K$93.0K
Deposit Account$38.0K$41.0K
Atm Fee$31.0K$33.0K
Insurance Commission Income$13.0K$10.0K

Financial statements

Net income4$172.0K in 2025−76% since 2024
0$200.0K$400.0K$600.0K$800.0K2024: $712.0K$712.0K20242025: $172.0K$172.0K2025−76%

Every line of the income statement as filed: the last 2 fiscal years, latest first.4

Period ending2025-12-312024-12-31
Loans, including fees$12.4M$11.6M
Securities$2.0M$1.5M
Other$275.0K$255.0K
Total interest income$14.6M$13.4M
Deposits$4.3M$3.8M
Advances and borrowings$1.4M$1.4M
Total interest expense$5.7M$5.2M
Net interest income$8.9M$8.1M
Provision for credit losses available-for-sale securities$20.0K$451.0K
Provision for credit losses loans receivable$821.0K-$145.0K
Net interest income after provision for credit losses$8.1M$7.8M
Gain on sale of fixed assets$6.0K
Earnings on deferred compensation plan assets$116.0K$26.0K
Net gains on sale of residential mortgage loans$136.0K$87.0K
Total noninterest income$2.2M$1.9M
Compensation and employee benefits$5.4M$4.9M
Core processing$1.6M$1.4M
Premises and equipment$924.0K$766.0K
Professional fees$426.0K$232.0K
Postage & office supplies$108.0K$181.0K
FDIC premiums$147.0K$118.0K
Advertising$307.0K$351.0K
Director fees$164.0K$156.0K
Intangible asset amortization$156.0K$156.0K
Other$847.0K$569.0K
Total noninterest expense$10.1M$8.9M
Income before provision for income taxes$181.0K$816.0K
PROVISION FOR INCOME TAXES$9.0K$104.0K
Net income$172.0K$712.0K
Net income per common shares - basic (in dollar per share)$0.10$0.42
Net income per common shares - diluted (in dollar per share)$0.10$0.42

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Corporate structure

Seneca Bancorp, Inc. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Seneca Bancorp, Inc.

  • Amended & Restated Seneca Savings Bank, National Association Employee Stock Ownership Plan Trust Filed SCHEDULE 13G on Seneca Bancorp, Inc., latest Mar 2, 2026
  • Minerva Advisors LLC Filed SCHEDULE 13G/A on Seneca Bancorp, Inc., latest Feb 13, 2026 (2 filings since Nov 20, 2025)
  • Mark Zames Filed SCHEDULE 13D on Seneca Bancorp, Inc., latest Oct 21, 2025
  • Seneca Bancorp, Inc. Baldwinsville, New York

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Seneca Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$17.8M4 Dec 31, 2025$13.2M4 Dec 31, 2024+34.6%
Accumulated depreciation$4.6M4 Dec 31, 2025$4.4M4 Dec 31, 2024+4.2%
Property and equipment, net$13.2M4 Dec 31, 2025$8.8M4 Dec 31, 2024+49.9%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$5.3M4 Dec 31, 2025$6.8M4 Dec 31, 2024−21.5%
Loans, net of allowance$226.0M4 Dec 31, 2025$202.4M4 Dec 31, 2024+11.7%
Deposits held (banks)$234.4M4 Dec 31, 2025$210.6M4 Dec 31, 2024+11.3%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$412.0K4 Dec 31, 2025$412.0K4 Dec 31, 20240%
Intangible assets, net (excluding goodwill)$428.0K4 Dec 31, 2025$584.0K4 Dec 31, 2024−26.7%

Properties, in its own words

As of December 31, 2025, the net book value of our office properties was $7.5 million, and the net book value of our furniture, fixtures and equipment was $1.1 million. Additionally, the Company had a balance of $4.6 million at December 31, 2025 in construction in process, primarily related to site development for the Clay and Camillus locations. The following table sets forth information regarding our offices at December 31, 2025.

Location · Leased orOwned · Year Acquired · Net Book Value ofReal Property

The rest of Item 2

Main Office:

35 Oswego Street · Owned · 1964 · 2.2 million

Baldwinsville, New York 13027

Other Properties:

Liverpool Branch · Owned · 2015 · 646,000

7799 Oswego Road

Liverpool, New York 13089

North Syracuse Branch · Owned · 1973 · 683,000

201 North Main Street

North Syracuse, New York 13212

Bridgeport Branch · Owned · 2019 · 1.2 million

584 N.Y. Rt. 31

Bridgeport, New York 13030

Manlius Branch · Owned · 2025 · 2.8 million

325 Fayette Street

Manlius, New York 13104

Clay Development Site · Owned · 2024 · 2.1 million

5332 Route 31

Clay, New York, 13041

Camillus Development Site · Owned · 2025 · 1.5 million

West Genessee Street

Camillus, New York, 13031

Financial Quest Office · Owned · 2021 · 702,000

925 State Fair Boulevard

Syracuse, New York, 13209

In 2025, we purchased a 1.2-acre parcel of land in Camillus, New York. We currently expect to construct a full-service branch with drive-through on this land and open the branch in early 2027. Additionally, in 2024, we purchased 2.5 acres of land in Clay, New York, directly across from the future site of the Micron Technology, Inc. semiconductor fabrication facility, where we intend to establish a branch office in the future. This strategic investment positions us to support the economic growth expected in our region and to provide financial solutions to businesses and families as this transformative development takes shape. We anticipate developing this property in 2028, consistent with the extended timeline for construction of the Micron facility.

Item 2 of the 10-K filed Mar 30, 2026.3

Leadership

Who has led Seneca Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Joseph G. Vitale2025–now

President

  1. Joseph G. Vitale2025–now

Chief financial officer

  1. Vincent J. Fazio2025–2026
  2. Angela M. Krezmer2026–now
Board members and other officers (11)

Timeline

  1. Sep 8, 20268-K Executive or director change19
  2. Jun 4, 20268-K Executive or director change20
  3. May 20, 20268-K Shareholder vote21
  4. Oct 15, 2025New chief executive Joseph G. Vitale becomes CEO7
  5. Oct 15, 20258-K Other events22
  6. Oct 10, 20258-K Other events23
  7. Sep 30, 20258-K Other events24
  8. Sep 24, 20258-K Other events25
  9. Sep 17, 20258-K Other events26
  10. Aug 22, 20258-K Other events27
  11. Aug 18, 20258-K Entered a material agreement28

Filings

61 filings to the SEC since October 2021: 1 annual reports, 4 quarterly reports, 10 major events, 20 insider forms, 4 large holders, 22 other. The latest 20:

  1. Sep 8, 20268-K CURRENT REPORT FILING EDGAR
  2. Sep 4, 20264 EDGAR
  3. Aug 24, 20264 EDGAR
  4. Aug 24, 20264 EDGAR
  5. Aug 24, 20264 EDGAR
  6. Aug 12, 202610-Q EDGAR
  7. Jul 9, 20263 EDGAR
  8. Jun 29, 202611-K EDGAR
  9. Jun 4, 20268-K SENECA BANCORP, INC. FORM 8-K MAY 29, 2026 EDGAR
  10. May 20, 20268-K EDGAR
  11. May 14, 202610-Q EDGAR
  12. Apr 17, 2026ARS EDGAR
  13. Apr 17, 2026DEF 14A EDGAR
  14. Mar 30, 202610-K EDGAR
  15. Mar 2, 2026SCHEDULE 13G EDGAR
  16. Feb 13, 2026SCHEDULE 13G/A EDGAR
  17. Nov 25, 2025EFFECT EDGAR
  18. Nov 25, 20254 EDGAR
  19. Nov 25, 20254 EDGAR
  20. Nov 25, 20254 EDGAR

The 61 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

1 open-market trades by officers, directors and large owners since October 2021: 1 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 3, 2026Vitale Joseph GPresident and CEOBuy400$14.50$5.8KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Joseph Vitale$231.4K$431.1K32
2025Vincent Fazio$160.8K$268.3K32
2025Angelo Testani$168.2K$237.0K32
2024President and Chief Executive Officer$222.8K$355.1K32
2024Senior VicePresident of Commercial Lending$145.5K$189.5K32
2024Executive VicePresident and Chief Financial Officer$155.4K$183.4K32

SEC filer profile

How Seneca Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARSeneca Bancorp, Inc.1
  • CIK0002072421
  • Employer ID (EIN)39-40291143
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inMaryland3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address35 Oswego Street, Baldwinsville, NY 130271
  • Phone(315) 638-02331
  • Shares outstanding1,800,435 as of Aug 11, 20266
  • Public float$0 as of Jun 30, 20254
  • AuditorBonadio & Co. LLP, Syracuse, New York PCAOB ID 1884; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceJun 13, 20251
  • Filings61 in all: 3 (12), 8-K (10), 4 (8), 10-Q (4), CORRESP (4), S-1/A (4), 424B3 (3), EFFECT (2)1
    All 20 form types

    SCHEDULE 13G (2), UPLOAD (2), 10-K (1), 11-K (1), 8-A12G (1), ARS (1), DEF 14A (1), POS AM (1), S-1 (1), S-8 (1), SCHEDULE 13D (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Mar 30, 2026
    Quarterly report (10-Q) Aug 12, 2026
    Proxy statement (DEF 14A) Apr 17, 2026
    Latest 8-K (8-K) Sep 8, 2026

Risk factors and legal proceedings

Legal proceedings

We are not involved in any pending legal proceedings as a defendant other than routine legal proceedings occurring in the ordinary course of business. At December 31, 2025, we were not involved in any legal proceedings the outcome of which would be material to our financial condition or results of operations.

The opening of Item 3, Legal Proceedings.3

Sources

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    SEC EDGAROther events
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