Maspeth Federal Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Maspeth Federal Savings and Loan Association is an FDIC-insured savings institution headquartered in Maspeth, NY, established in 1947 (FDIC certificate 30303), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.21B, up 3.1% from Q2 2025, the 35th largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 34.89% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30303
- Headquarters
- Maspeth, NY
- Established
- 1947
- Total assets, Q2 2026
- $2.21B
- Assets vs Q2 2025
- +3.1%
- Tier 1 leverage ratio, Q2 2026
- 34.89%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 221472792
- Latest call report
- Q2 2026, FFIEC 051 · Maspeth Federal Savings and Loan Association call report
- Asset rank in state
- 35th of 105 in New York
Maspeth Federal Savings and Loan Association, based in Maspeth, New York, reported $2.2 billion in assets at June 30, 2026, up 3.1% from a year earlier. It returns 3.2% a year on shareholders' equity, a small fraction of the median of 12.7% for the 880 banks with $1 billion to $10 billion in assets. On the other hand, it funds 34.89% of its assets with Tier 1 capital, about triple the median of 10.49% for banks its size.
Earnings jumped: net income for the quarter was $6.1 million, 34% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.22% of loans, down from 1.35% a year earlier.
As of June 30, 2026, Maspeth Federal Savings and Loan Association reported a return on assets of 1.10%, a nonperforming-loan ratio of 1.22% and a Texas ratio of 3.50%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Maspeth Federal Savings and Loan Association is the 35th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $2.21B, loans rose 0.4% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 44.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 32.1%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities in NY; its Maspeth 2 offices book 56% of its branch deposits. Judged on its Q2 2026 call report, Maspeth Federal Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5618 69th St, Maspeth, NY 11378
- County
- Queens
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- 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, 1947
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 203
- Domestic deposits
- $1.40B
- Allowance for credit losses
- $18.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $2.23B
- Average total loans
- $1.96B
- Average interest-bearing deposits
- $1.33B
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30303
- Fed RSSD
- 29878
- Website
- www.maspethfederal.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Maspeth Federal Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Maspeth Federal Savings and Loan Association's total assets ranged from $2.12B (Q3 2023) to $2.23B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.21B total assets against $2.15B; $1.44B total liabilities against $1.40B.
$1.95B net loans and leases against $1.94B; $1.40B total deposits against $1.36B.
$48.3M securities against $48.1M; $153.2M cash and balances due against $98.5M.
$26.9M total interest income against $25.2M; $6.5M total interest expense against $6.4M.
$20.5M net interest income against $18.8M.
-$158K total noninterest income against $107K; $12.3M total noninterest expense against $11.5M.
-$236K provision for credit losses against $519K.
$6.1M net income against $4.6M.
1.10% return on assets against 0.85%; 3.75% net interest margin against 3.53%.
34.89% tier 1 leverage ratio against 34.88%.
Inside the full Maspeth Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Maspeth Federal Savings and Loan Association rankings
Its closest position to the top of a national ranking is 556 of 4,196, for total assets; its furthest is 917 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q4 2024) to 1.10% (Q3 2025) and its net interest margin ran from 3.13% (Q3 2024) to 3.75% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 34.89% | 1.10% | 1.22% | 3.50% | 3.75% |
| Q1 2026 | 34.83% | 1.08% | 1.34% | 3.92% | 3.67% |
| Q4 2025 | 35.07% | 0.63% | 1.37% | 4.01% | 3.62% |
| Q3 2025 | 35.56% | 1.10% | 1.48% | 4.32% | 3.68% |
| Q2 2025 | 34.88% | 0.85% | 1.35% | 4.02% | 3.53% |
| Q1 2025 | 34.08% | 0.79% | 1.49% | 4.44% | 3.27% |
| Q4 2024 | 33.68% | 0.54% | 1.57% | 5.24% | 3.21% |
| Q3 2024 | 33.99% | 0.78% | 1.65% | 5.55% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Maspeth Federal Savings and Loan Association (main office) | Maspeth , NY | 11378 | $778.5M |
| 801 Jericho Turnpike Branch | New Hyde Park , NY | 11040 | $152.7M |
| 101-09 Metropolitan Ave Branch | Forest Hills , NY | 11375 | $145.1M |
| 64-19 Woodhaven Blvd Branch | Rego Park , NY | 11374 | $141.5M |
| 185-18 Horace Harding Expy Branch | New York City , NY | 11365 | $85.2M |
| Ridgewood Branch | Ridgewood , NY | 11385 | $78.5M |
| Astoria Ny Branch | Astoria , NY | 11103 | $20.3M |
| Www.Maspethfederal.Com Branch | Maspeth , NY | 11378 | $286K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 67 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Maspeth Federal Savings and Loan Association
What are Maspeth Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Maspeth Federal Savings and Loan Association reported total assets of $2.21 billion in its FFIEC call report.
Where is Maspeth Federal Savings and Loan Association headquartered?
It is headquartered in Maspeth, NY, United States.
When was Maspeth Federal Savings and Loan Association founded?
It was established in 1947, per the FDIC institution directory.
Is Maspeth Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30303). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Maspeth Federal Savings and Loan Association?
Maspeth Federal Savings and Loan Association's primary federal regulator is the OCC.
How many branches does Maspeth Federal Savings and Loan Association operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Maspeth Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 3.50% 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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