Bank of Maple Plain
Maple Plain, Minnesota · FDIC Cert #9332
Bank of Maple Plain is an FDIC-insured bank (Certificate #9332) with $93M in total assets and $75M in total deposits as of the Q2 2024 Call Report. Headquartered in Maple Plain, Minnesota, the bank maintains a Tier 1 capital ratio of 27.51% (Well-Capitalized) and a nonperforming loan ratio of 1.30%. BankHealthData assigns a composite Health Grade of A (87/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Maple Plain (FDIC cert 9332) is a community bank — $93M in total assets, $75M in deposits, serving the Maple Plain, Minnesota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 27.51% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.30% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 48.4% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.60% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Bank of Maple Plain carries a composite BankHealth grade of A (87/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Maple Plain
- Total Assets
- $93M
- Total Deposits
- $75M
- Tier 1 Capital Ratio
- 27.51%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.30%
- Liquidity Ratio
- 48.41%
- Return on Assets
- 0.60%
- Headquarters
- Maple Plain, Minnesota
- FDIC Certificate
- #9332
- Health Grade
- A (87/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Maple Plain holds a Tier 1 capital ratio of 27.51%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Maple Plain has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Maple Plain shows strong financial health indicators. With $93M in assets and a Health Score of 87/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Maple Plain Compares
Bank of Maple Plain’s Health Score of 87 is 14 points above the Minnesota state average of 73 across 225 FDIC-insured banks. Its 27.51% Tier 1 capital ratio is 13.5 points above the US banking industry average near 14%. The 1.30% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.60% is below the national ROA benchmark of ~1.1%. Among 1035 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Bank of Maple Plain is 17 points above the portfolio average of 70.
Frequently Asked Questions
Bank of Maple Plain has a Bank Health Score of A (87/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 27.51%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Maple Plain's Tier 1 capital ratio of 27.51% and nonperforming loan ratio of 1.30% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Maple Plain is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #9332). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Maple Plain holds $93M in total assets and $75M in total deposits. It is headquartered in Maple Plain, Minnesota (FDIC Certificate #9332).
Bank of Maple Plain has a Tier 1 capital ratio of 27.51%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.30%, and the return on assets is 0.60%.
Yes. Bank of Maple Plain is FDIC-insured (Certificate #9332). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Maple Plain's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.