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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

4.75%Q2 ’244.97%Q2 ’255.18%Q2 ’26+20%+23%

Non-interest income vs. expense

3.52%Q2 ’243.22%Q2 ’253.38%Q2 ’26+64%+7%

Executive Summary

  • Earnings: ROA of 0.63%, up 36 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 1.44% of loans (+19 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

0.63%+36 bps YoY

Net Interest Margin (quarter, annualized)

3.29%+62 bps YoY

Efficiency Ratio (quarter, annualized)

79.46%-935 bps YoY

Tier 1 Leverage Ratio

9.46%+86 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.70%0.26%0.68%0.63%+36 bps
Return on Equity3.29%8.36%2.97%7.59%7.00%+370 bps
Net Interest Margin2.67%2.82%3.00%3.28%3.29%+62 bps
Efficiency Ratio88.80%74.87%88.17%77.25%79.46%-935 bps
Non-Interest Burden2.33%1.94%2.61%2.41%2.49%+16 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%0.01%0.00%0.15%-0.01%-2 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