Maple City Savings Bank, FSB: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Total risk-based capital ratio edged up 0.43 percentage points between Q1 2026 and Q2 2026, to 18.02%. Maple City Savings Bank, FSB ranks 39th of 82 New York banks on CET1 ratio, in the upper half at 16.79% (Q2 2026). Maple City Savings Bank, FSB reported 16.79% on CET1 ratio for Q2 2026, 1.72 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.79% |
| Tier 1 risk-based capital ratio | 16.79% |
| Total risk-based capital ratio | 18.02% |
| Tier 1 leverage ratio | 9.46% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $11.6M |
| Tier 1 capital | $11.6M |
| Total risk-based capital | $12.5M |
| Total equity capital | $11.1M |
| Risk-weighted assets | $69.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.11% |
| Tangible equity to tangible assets | 8.92% |
| Equity capital to average assets | 9.01% |
| Internal capital growth rate | 6.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $1.4M |
| Retained earnings | $9.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$781K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.08% | 14.08% | 15.20% | 8.99% | $74.3M |
| Q4 2023 | 13.87% | 13.87% | 15.00% | 8.74% | $75.1M |
| Q1 2024 | 13.49% | 13.49% | 14.62% | 8.52% | $76.4M |
| Q2 2024 | 13.66% | 13.66% | 14.80% | 8.33% | $76.5M |
| Q3 2024 | 13.78% | 13.78% | 14.91% | 8.33% | $77.0M |
| Q4 2024 | 14.04% | 14.04% | 15.19% | 8.50% | $76.5M |
| Q1 2025 | 14.29% | 14.29% | 15.45% | 8.62% | $76.0M |
| Q2 2025 | 14.40% | 14.40% | 15.56% | 8.60% | $75.9M |
| Q3 2025 | 15.20% | 15.20% | 16.39% | 8.70% | $73.4M |
| Q4 2025 | 15.62% | 15.62% | 16.84% | 9.01% | $71.9M |
| Q1 2026 | 16.37% | 16.37% | 17.59% | 9.34% | $69.8M |
| Q2 2026 | 16.79% | 16.79% | 18.02% | 9.46% | $69.2M |
Maple City Savings Bank, FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Maple City Savings Bank, FSB, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Maple City Savings Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28585) · FFIEC NIC profile (RSSD 548472)