Hornell, NY · Cert 28585 · Maple City Savings MHC
State savings bank · OCC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
24
Profitability
27
Liquidity
81
Efficiency
18
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hornell, NY · Cert 28585 · Maple City Savings MHC
State savings bank · OCC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.32% | 0.36% | 0.31% | 0.44% | 0.40% | 0.68% | 0.65% | +34 bps | |
| Return on Equity | 3.69% | 4.18% | 4.56% | 3.92% | 5.43% | 4.80% | 7.59% | 7.30% | +337 bps | |
| Net Interest Margin | 2.27% | 2.33% | 2.57% | 2.61% | 2.66% | 2.80% | 3.28% | 3.28% | +67 bps | |
| Efficiency Ratio | 87.26% | 86.40% | 84.36% | 86.62% | 82.52% | 83.96% | 77.25% | 78.37% | -825 bps | |
| Non-Interest Burden | 1.88% | 1.90% | 2.09% | 2.20% | 2.10% | 2.27% | 2.41% | 2.45% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.53% | 5.24% | 0.69% | -0.01% | -0.67% | -4.31% | -2.13% | -5.18% | -517 bps | |
| Loan Growth (YoY) | 6.47% | 2.81% | -0.28% | -1.85% | -3.23% | -3.50% | -4.95% | -5.23% | -339 bps | |
| Deposit Growth (YoY) | 1.37% | 8.23% | 6.13% | 5.72% | 3.18% | -4.98% | -2.88% | -6.17% | -1,190 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.60% | 0.77% | 1.25% | 0.99% | 1.01% | 0.93% | 1.44% | +19 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | -0.01% | 0.00% | 0.00% | 0.00% | 0.15% | 0.07% | +7 bps | |
| Allowance / Loans | 0.90% | 0.91% | 0.93% | 0.93% | 0.94% | 0.95% | 0.94% | 0.95% | +2 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 1.2x | 0.7x | 1.0x | 0.9x | 1.0x | 0.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.33% | 8.50% | 8.62% | 8.60% | 8.70% | 9.01% | 9.34% | 9.46% | +86 bps | |
| Total Risk-Based Capital | 14.91% | 15.19% | 15.45% | 15.56% | 16.39% | 16.84% | 17.59% | 18.02% | +246 bps | |
| Equity / Assets | 7.92% | 7.79% | 8.14% | 8.11% | 8.57% | 8.86% | 8.92% | 9.11% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.96% | 84.62% | 84.19% | 81.55% | 83.44% | 85.94% | 82.39% | 82.36% | +82 bps | |
| Liquid Assets / Assets | 3.11% | 5.40% | 4.56% | 7.03% | 4.75% | 3.27% | 5.64% | 5.65% | -138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 149.19% | 144.99% | 132.97% | n/a | n/a | |
Hornell, NY · Cert 28585 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Maple City Savings MHC
State savings bank · OCC · 3 branches
Q2 2026
Return on Assets
0.66%
Rank 582 of 746
Net Interest Margin
3.28%
Rank 530 of 746
Efficiency Ratio
79.99%
Rank 614 of 746
Equity / Assets
9.11%
Rank 538 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.72% | 1.06% | 1.45% | Beats 22% | 582 / 746 | ||
| Return on Equity | 7.21% | 6.74% | 10.51% | 13.63% | Beats 29% | 532 / 746 | ||
| Net Interest Margin | 3.28% | 3.17% | 3.68% | 4.16% | Beats 29% | 530 / 746 | ||
| Efficiency Ratio | 79.99% | 55.74% | 64.58% | 75.47% | Beats 18% | 614 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.44% | 0.09% | 0.42% | 1.07% | Beats 18% | 612 / 743 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 29% | 530 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.79% | 11.55% | 13.75% | 17.60% | Beats 71% | 215 / 746 | ||
| Total Risk-Based Capital Ratio | 18.02% | 11.71% | 14.33% | 18.43% | Beats 73% | 198 / 746 | ||
| Equity / Assets | 9.11% | 8.90% | 10.51% | 13.06% | Beats 28% | 538 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.36% | 61.31% | 78.27% | 90.78% | 59th pctl | 309 / 746 | ||
| Loans / Assets | 73.31% | 53.60% | 66.97% | 76.08% | 67th pctl | 244 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||