Seneca Bancorp is the holding company for Seneca Savings Bank, a community bank headquartered in Baldwinsville, New York, serving Onondaga and Madison Counties near Syracuse. Seneca Savings operates through a main office and four branches, with two additional branches planned — one in Camillus and one in Clay, adjacent to a planned Micron Technology semiconductor fabrication facility. The bank runs a traditional community banking model: taking retail deposits and lending those funds back into the local community, earning the spread between deposit costs and loan yields. Seneca Savings' loan portfolio has historically centered on one-to-four-family residential mortgages, but the bank is actively shifting toward commercial real estate and C&I lending, targeting locally owned small- to mid-sized businesses. This pivot is intended to boost loan yields and bring in commercial deposit relationships. On the deposit side, Seneca Savings relies primarily on core retail deposits, with money market accounts and CDs representing the largest categories. The bank's October 2025 conversion to a national bank charter also enables it to accept municipal deposits, which management views as a new low-cost funding source. Seneca Savings supplements its traditional banking operations through Financial Quest, a subsidiary providing 401(k) plan consulting, asset management, and financial planning services, with roughly $259M in assets under management. Financial Quest partners with LPL Financial for broker-dealer services and contributes the majority of the bank's non-interest income.