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Maple City Savings Bank, FSB

Hornell, NY · Cert 28585 · Maple City Savings MHC

State savings bank · OCC · 3 branches

Q2 2026

$121.8MAssets
$89.3MLoans
$108.4MDeposits
$11.1MEquity
Loan mix
96%RE $85.8M3%C&I $2.5M2%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $96.3M11%Noninterest $12.1MQ2 2025Q2 2026

NIM

4.63%Q2 ’244.93%Q2 ’255.20%Q2 ’26+16%+26%

Non-interest income vs. expense

3.44%Q2 ’243.10%Q2 ’253.29%Q2 ’26+9%+11%

Executive Summary

  • Earnings: ROA of 0.65%, up 34 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 1.44% of loans (+19 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 9.46%, up 86 bps from a year ago.
  • Funding: loans stand at 82.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+67 bps YoY

Efficiency Ratio (YTD, annualized)

78.37%-825 bps YoY

Tier 1 Leverage Ratio

9.46%+86 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.44%0.40%0.68%0.65%+34 bps
Return on Equity3.92%5.43%4.80%7.59%7.30%+337 bps
Net Interest Margin2.61%2.66%2.80%3.28%3.28%+67 bps
Efficiency Ratio86.62%82.52%83.96%77.25%78.37%-825 bps
Non-Interest Burden2.20%2.10%2.27%2.41%2.45%+25 bps
Growth
Asset Growth (YoY)-0.01%-0.67%-4.31%-2.13%-5.18%-517 bps
Loan Growth (YoY)-1.85%-3.23%-3.50%-4.95%-5.23%-339 bps
Deposit Growth (YoY)5.72%3.18%-4.98%-2.88%-6.17%-1,190 bps
Asset Quality
Nonperforming Loans / Loans1.25%0.99%1.01%0.93%1.44%+19 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.15%0.07%+7 bps
Allowance / Loans0.93%0.94%0.95%0.94%0.95%+2 bps
Allowance Coverage of NPLs0.7x1.0x0.9x1.0x0.7x-0.1x
Capital
Tier 1 Leverage Ratio8.60%8.70%9.01%9.34%9.46%+86 bps
Total Risk-Based Capital15.56%16.39%16.84%17.59%18.02%+246 bps
Equity / Assets8.11%8.57%8.86%8.92%9.11%+99 bps
Liquidity & Funding
Loans / Deposits81.55%83.44%85.94%82.39%82.36%+82 bps
Liquid Assets / Assets7.03%4.75%3.27%5.64%5.65%-138 bps
CRE / Total Capitaln/a149.19%144.99%132.97%n/an/a