{"url_path":"/sec/snnf/10-q/2026/cover-page","section_key":"cover-page","section_title":"Cover Page","topic":"sec","document":{"doc_type":"10-Q","doc_date":"2026-05-14","source_url":"https://www.sec.gov/Archives/edgar/data/2072421/0001104659-26-061189-index.html","accession_number":"0001104659-26-061189","cik":"0002072421","ticker":"SNNF","issuer_name":"Seneca Bancorp, Inc.","edgar_url":"https://www.sec.gov/Archives/edgar/data/2072421/0001104659-26-061189-index.html","primary_entity_key":"0002072421","primary_entity_name":"Seneca Bancorp, Inc."},"word_count":665,"has_tables":true,"body_markdown":"Seneca Bancorp, Inc._March 31, 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of Contents](#TOC)\n\n​\n\n​\n\n**UNITED STATES**\n\n**SECURITIES AND EXCHANGE COMMISSION**\n\n**WASHINGTON, D.C. 20549**\n\n**FORM ****10-Q**\n\n​\n\n**☒****Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**\n\n**For the quarterly period ended****March 31, 2026**\n\n**OR**\n\n**☐****Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**\n\n**For the transition period from****                   ****  to**\n\n**Commission File No.****000-56790**\n\n​\n\n**Seneca Bancorp, Inc.**\n\n(Exact Name of Registrant as Specified in Its Charter)\n\n​\n\n**Maryland**\n\n**  ​ ​ ​**\n\n**39-4029114**\n\n(State or Other Jurisdiction of Incorporation or Organization)\n\n​\n\n(I.R.S. Employer Identification Number)\n\n​\n\n​\n\n​\n\n**35 Oswego Street****,****Baldwinsville****,****New York**\n\n​\n\n**13027**\n\n(Address of Principal Executive Offices)\n\n​\n\n(Zip Code)\n\n****​\n\n**(****315****)****638-0233**\n\n(Registrant’s Telephone Number, Including Area Code)\n\n​\n\n**N/A**\n\n(Former Name, Former Address and Former Fiscal Year, if Changed Since Last Report)\n\n​\n\nSecurities registered pursuant to Section 12(b) of the Act:\n\n​\n\n​\n\n​\n\n​\n\nTitle of each class\n\nTrading symbol(s)\n\nName of Each Exchange on Which Registered\n\nNone\n\nNone\n\nNone\n\n​\n\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such requirements for the past 90 days.   Yes  ☒    No  ☐\n\n​\n\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the Registrant was required to submit such files).   Yes  ☒    No   ☐\n\n​\n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act:\n\n​\n\n​\n\n​\n\nLarge accelerated filer ☐\n\nAccelerated filer ☐\n\nNon-accelerated filer ☒\n\nSmaller reporting company ☒\n\n​\n\nEmerging growth company ☐\n\n​\n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐\n\n​\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).   YES  ☐    NO  ☒\n\n​\n\nThere were 1,800,813 shares of the registrant’s common stock, par value $0.01 per share, outstanding as of May 13, 2026.\n\n​\n\n​\n\n[Table of Contents](#TOC)\n\nTABLE OF CONTENTS\n\n​\n\n​\n\n  ​ ​ ​\n\n​\n\n  ​ ​ ​\n\n**Page**\n\n​\n\n​\n\n**Part I**\n\n​\n\n​\n\n[Item 1.](#Item1_FS)\n\n​\n\n[Financial Statements](#Item1_FS)\n\n​\n\n3\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Item 2.](#Item2_Management)\n\n​\n\n[Management’s Discussion and Analysis of Financial Condition and Results of Operations](#Item2_Management)\n\n​\n\n32\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Item 3.](#Item3_Quantitative)\n\n​\n\n[Quantitative and Qualitative Disclosures about Market Risk](#Item3_Quantitative)\n\n​\n\n46\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Item 4.](#Item4_Controls)\n\n​\n\n[Controls and Procedures](#Item4_Controls)\n\n​\n\n46\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[**Part II**](#PARTII_Other)\n\n​\n\n[**Other Information**](#PARTII_Other)\n\n​\n\n47\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Item 1.](#Item1_Legal)\n\n​\n\n[Legal Proceedings](#Item1_Legal)\n\n​\n\n47\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Item 1A.](#Item1A_Risk)\n\n​\n\n[Risk Factors](#Item1A_Risk)\n\n​\n\n47\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Item 2.](#Item2_Unregisterd)\n\n​\n\n[Unregistered Sales of Equity Securities and Use of Proceeds](#Item2_Unregisterd)\n\n​\n\n47\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Item 3.](#Item3_Default)\n\n​\n\n[Defaults Upon Senior Securities](#Item3_Default)\n\n​\n\n47\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Item 4.](#Item4_Mine)\n\n​\n\n[Mine Safety Disclosures](#Item4_Mine)\n\n​\n\n47\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Item 5.](#Item5_Other)\n\n​\n\n[Other Information](#Item5_Other)\n\n​\n\n47\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Item 6.](#Item6_Exhibit)\n\n​\n\n[Exhibits](#Item6_Exhibit)\n\n​\n\n48\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Exhibit Index](#Item6_Exhibit)\n\n​\n\n​\n\n​\n\n48\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Signatures](#SIGNATURES)\n\n​\n\n​\n\n​\n\n49\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[Table of Contents](#TOC)\n\nPART I —FINANCIAL INFORMATION"}