Maple City Savings Bank, FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Maple City Savings Bank, FSB of Hornell, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.63% | 1.34% | -0.71% | 17th bottom |
| ROAE | 7.00% | 13.32% | -6.32% | 21st bottom |
| Net Interest Margin | 3.47% | 3.93% | -0.46% | 26th below |
| Efficiency Ratio | 79.46% | 61.14% | +18.32% | 14th bottom |
| PPNR / Avg Assets | 0.79% | 1.68% | -0.89% | 14th bottom |
| Yield on Earning Assets | 5.48% | 5.67% | -0.19% | 44th below |
| Cost of Funds | 2.41% | 1.88% | +0.53% | 18th bottom |
| Net Interest Spread | 3.10% | 3.32% | -0.22% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.47% | 0.94% | +0.53% | 19th bottom |
| NPA / Total Assets | 1.08% | 0.70% | +0.38% | 19th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 0.95% | 1.28% | -0.33% | 21st bottom |
| ACL / NPLs (Coverage) | 64.71% | 1538.86% | -1474.15% | 16th bottom |
| Texas Ratio | 11.23% | 7.33% | +3.90% | 19th bottom |
| Provision / NCO | 0.00% | 1395.74% | -1395.74% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.79% | 19.50% | -2.71% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.79% | 19.54% | -2.75% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.02% | 20.62% | -2.60% | 63rd above |
| Leverage Ratio | 9.46% | 12.14% | -2.68% | 21st bottom |
| Equity / Assets | 9.11% | 11.37% | -2.26% | 29th below |
| TCE / Tangible Assets | 8.92% | 11.09% | -2.17% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.36% | 80.64% | +1.72% | 46th below |
| Core Deposit Ratio | 79.36% | 86.86% | -7.50% | 14th bottom |
| Wholesale Funding Ratio | 1.64% | 5.03% | -3.39% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.18% | 6.85% | -12.03% | 5th bottom |
| Loan Growth (Y/Y) | -5.23% | 7.90% | -13.13% | 7th bottom |
| Deposit Growth (Y/Y) | -6.17% | 6.29% | -12.46% | 5th bottom |
See Maple City Savings Bank, FSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Maple City Savings Bank, FSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Maple City Savings Bank, FSB profile, how to read a UBPR, or how this data updates.