Maple City Savings Bank, FSB
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
$121.8MAssets
$89.3MLoans
$108.4MDeposits
$11.1MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 73% of banks under $1B in assets operating in a single state (rank 198 of 746).
- Widest gap: nonperforming loans / loans trails 82% of banks under $1B in assets operating in a single state (rank 612 of 743).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 18% of banks under $1B in assets operating in a single state | 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 |