MAPLE CITY SAVINGS BANK, FSB

HORNELL, NY | Small | Est. Jan. 1, 1905, midnight | FDIC #28585 | RSSD #548472 | OCC
Latest Report: 2025-12-31

MAPLE CITY SAVINGS BANK, FSB is asn small FDIC-insured commercial bank headquartered in HORNELL, NY, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $122M and total deposits of $108M. Profitability stands at 0.26% ROA and 2.97% ROE, with a net interest margin of 3.28%. The bank's CET1 capital ratio is 15.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.01% and a Texas Ratio of 7.94%. FDIC Certificate #28585.

Assets

$122M

Deposits

$108M

Loans

$92M

Equity

$11M

Profitability

Return on Assets (ROA) 0.26%
Return on Equity (ROE) 2.97%
Net Interest Margin (NIM) 3.28%
Yield on Assets 5.64%
Cost of Funds 2.38%

Asset Quality

NPL Ratio 1.01%
Net Charge-Off Ratio 0.00%
Texas Ratio 7.94%
NPA Ratio 0.76%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 15.62%
Tier 1 Capital 15.62%
Total Capital Ratio 16.84%
Leverage Ratio 9.01%
Loan-to-Deposit 85.94%

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