Maple City Savings Bank, FSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 3.32 percentage points in Q2 2026, from 76.33% to 73.01%. It was the largest change from Q1 2026 among the key lines here. Maple City Savings Bank, FSB ranks 61st of 105 New York banks on loan-to-deposit ratio, in the lower half at 82.36% (Q2 2026). At 82.36%, Maple City Savings Bank, FSB's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.3M |
| Net loans and leases | $88.4M |
| Loans held for sale | $0 |
| Loans to total assets | 73.31% |
| Loan-to-deposit ratio | 82.36% |
| Net loans to equity capital | 7.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.85% |
| Multifamily (5+ residential) | 3.25% |
| Commercial and industrial | 2.33% |
| Consumer | 1.56% |
| Credit cards | 0.00% |
| Farm | 0.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 73.01% |
| Construction concentration (Tier 1 capital + allowance) | 39.02% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.24% |
| Interest income on loans | $1.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $90.5M | $106.9M | 8.24% | 2.68% | 2.38% |
| Q4 2023 | $93.1M | $104.5M | 7.61% | 2.60% | 2.67% |
| Q1 2024 | $95.1M | $106.2M | 7.78% | 3.36% | 2.58% |
| Q2 2024 | $96.0M | $109.3M | 7.92% | 2.88% | 2.28% |
| Q3 2024 | $96.4M | $108.4M | 7.86% | 2.71% | 1.44% |
| Q4 2024 | $95.7M | $113.1M | 7.93% | 2.62% | 1.39% |
| Q1 2025 | $94.9M | $112.7M | 7.90% | 2.87% | 1.31% |
| Q2 2025 | $94.2M | $115.5M | 7.87% | 2.80% | 1.50% |
| Q3 2025 | $93.3M | $111.8M | 7.54% | 2.56% | 1.51% |
| Q4 2025 | $92.4M | $107.5M | 7.48% | 3.07% | 1.80% |
| Q1 2026 | $90.2M | $109.4M | 7.92% | 2.80% | 1.51% |
| Q2 2026 | $89.3M | $108.4M | 7.85% | 2.33% | 1.56% |
Maple City Savings Bank, FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Maple City Savings Bank, FSB, freeSource: Call Report Schedule RC-C, 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)