Maple City Savings Bank FSB
Hornell, New York · FDIC Cert #28585
This is the FDIC profile for Maple City Savings Bank FSB, an FDIC-insured bank (Certificate #28585) with $128M in total assets and $109M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Hornell, New York, the bank maintains a Tier 1 capital ratio of 13.66% (Well-Capitalized) and a nonperforming loan ratio of 0.53%. BankHealthData assigns a composite Health Grade of B (75/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Maple City Savings Bank FSB (FDIC cert 28585) is a community bank — $128M in total assets, $109M in deposits, serving the Hornell, New York 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 13.66% 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 0.53% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 19.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.17% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Maple City Savings Bank FSB carries a composite BankHealth grade of B (75/100) 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: Maple City Savings Bank FSB
- Total Assets
- $128M
- Total Deposits
- $109M
- Tier 1 Capital Ratio
- 13.66%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.53%
- Liquidity Ratio
- 19.28%
- Return on Assets
- 0.17%
- Headquarters
- Hornell, New York
- FDIC Certificate
- #28585
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Maple City Savings Bank FSB files quarterly Call Reports with the FDIC under Certificate #28585. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Maple City Savings Bank FSB holds a Tier 1 capital ratio of 13.66%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Maple City Savings Bank FSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Maple City Savings Bank FSB shows strong financial health indicators. With $128M in assets and a Health Score of 75/100, 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 Maple City Savings Bank FSB Compares
Maple City Savings Bank FSB’s Health Score of 75 is 5 points below the New York state average of 80 across 130 FDIC-insured banks. Its 13.66% Tier 1 capital ratio is 0.3 points below the US banking industry average near 14%. The 0.53% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.17% is below the national ROA benchmark of ~1.1%. Among 1267 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, Maple City Savings Bank FSB is 5 points below the portfolio average of 80.
Frequently Asked Questions
Maple City Savings Bank FSB has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.66%, 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. Maple City Savings Bank FSB's Tier 1 capital ratio of 13.66% and nonperforming loan ratio of 0.53% 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 Maple City Savings Bank FSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #28585). 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.
Maple City Savings Bank FSB holds $128M in total assets and $109M in total deposits. It is headquartered in Hornell, New York (FDIC Certificate #28585).
Maple City Savings Bank FSB's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #28585 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Maple City Savings Bank FSB has a Tier 1 capital ratio of 13.66%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.53%, and the return on assets is 0.17%.
Yes. Maple City Savings Bank FSB is FDIC-insured (Certificate #28585). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Maple City Savings Bank FSB'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.