Maple City Savings Bank, FSB
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Data as of · sourced from FFIEC call reports. How we update
Maple City Savings Bank, FSB is an FDIC-insured savings institution headquartered in Hornell, NY, established in 1905 (FDIC certificate 28585), and it is supervised by the OCC. At Q2 2026 it reported total assets of $121.8M, down 5.2% from Q2 2025, the 99th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 16.79% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28585
- Headquarters
- Hornell, NY
- Established
- 1905
- Total assets, Q2 2026
- $121.8M
- Assets vs Q2 2025
- -5.2%
- CET1 ratio, Q2 2026
- 16.79%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 222371740
- Latest call report
- Q2 2026, FFIEC 051 · Maple City Savings Bank, FSB call report
- Holding company
- MAPLE CITY SAVINGS, MHC
- Asset rank in state
- 99th of 105 in New York
Maple City Savings Bank, FSB, based in Hornell, New York, reported $122 million in assets at June 30, 2026, down 5.2% from a year earlier. It shrank its loan book 5.2% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also spends about 79 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $193,000, 127% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.44% of loans from 1.25% a year earlier. Profitability lags: it earns about $0.63 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Maple City Savings Bank, FSB reported a CET1 capital ratio of 16.79%, a return on assets of 0.63%, a nonperforming-loan ratio of 1.44% and a Texas ratio of 11.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Maple City Savings Bank, FSB is the 99th largest of the 105 banks headquartered in New York. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $121.8M, loans fell 1.0% and deposits fell 0.9%. 1-4 family residential loans made up 78.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 6.4%. The FDIC Summary of Deposits lists 3 offices for it, in Hornell, NY. Judged on its Q2 2026 call report, Maple City Savings Bank, FSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 145 Main St, Hornell, NY 14843
- County
- Steuben
- Metro Area
- Corning, NY
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $108.4M
- Allowance for credit losses
- $849K
- Net charge-offs (YTD)
- $30K
- Average total assets
- $123.1M
- Average total loans
- $89.7M
- Average interest-bearing deposits
- $82.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28585
- Fed RSSD
- 548472
- Website
- www.maplecitysavings.com →
- Parent Holding Company
- MAPLE CITY SAVINGS, MHC (RSSD 3793497)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Maple City Savings Bank, FSB's total assets moved between a low of $119.4M (Q3 2023) and a high of $128.5M (Q2 2024) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$121.8M total assets against $128.5M; $110.7M total liabilities against $118.0M.
$88.4M net loans and leases against $93.3M; $108.4M total deposits against $115.5M.
$17.6M securities against $16.9M; $7.5M cash and balances due against $9.7M.
$1.6M total interest income against $1.6M; $584K total interest expense against $736K.
$1.0M net interest income against $849K.
$275K total noninterest income against $285K; $1.0M total noninterest expense against $1.0M.
$0 provision for credit losses against $0.
$193K net income against $85K.
0.63% return on assets against 0.27%; 3.47% net interest margin against 2.82%.
16.79% CET1 capital ratio against 14.40%; 9.46% tier 1 leverage ratio against 8.60%.
Inside the full Maple City Savings Bank, FSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMaple City Savings Bank, FSB rankings
Its closest position to the top of a national ranking is 548 of 3,640, for Texas Ratio; its furthest is 3,216 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.26% (Q4 2025) to 0.69% (Q3 2025) and its net interest margin ran from 2.54% (Q3 2024) to 3.47% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.79% | 0.63% | 1.44% | 11.00% | 3.47% |
| Q1 2026 | 16.37% | 0.68% | 0.93% | 7.28% | 3.46% |
| Q4 2025 | 15.62% | 0.26% | 1.01% | 8.15% | 3.16% |
| Q3 2025 | 15.20% | 0.69% | 0.99% | 8.15% | 2.96% |
| Q2 2025 | 14.40% | 0.27% | 1.25% | 10.75% | 2.82% |
| Q1 2025 | 14.29% | 0.36% | 0.77% | 6.82% | 2.71% |
| Q4 2024 | 14.04% | 0.44% | 0.60% | 5.50% | 2.59% |
| Q3 2024 | 13.78% | 0.56% | 0.60% | 5.57% | 2.54% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Maple City Savings Bank, FSB (main office) | Hornell , NY | 14843 | $91.0M |
| Seneca Office Branch | Hornell , NY | 14843 | $17.4M |
| 1 Broadway Branch | Hornell , NY | 14843 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- July 23, 2024, OCC: Formal Agreement: Maple City Savings Bank, FSB
- Period: Most recent institution action July 23, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 150 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Maple City Savings Bank, FSB
What are Maple City Savings Bank, FSB's total assets?
As of the Q2 2026 filing, Maple City Savings Bank, FSB reported total assets of $121.8 million in its FFIEC call report.
Where is Maple City Savings Bank, FSB headquartered?
It is headquartered in Hornell, NY, United States.
When was Maple City Savings Bank, FSB founded?
It was established in 1905, per the FDIC institution directory.
Is Maple City Savings Bank, FSB FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Maple City Savings Bank, FSB?
Maple City Savings Bank, FSB's primary federal regulator is the OCC.
What is Maple City Savings Bank, FSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Maple City Savings Bank, FSB operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Maple City Savings Bank, FSB's Texas Ratio?
Its Texas Ratio is 11.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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