Maspeth Fs&La
Maspeth, New York · FDIC Cert #30303
Maspeth Fs&La is an FDIC-insured bank (Certificate #30303) with $2.2B in total assets and $1.4B in total deposits as of the Q2 2024 Call Report. Headquartered in Maspeth, New York, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 1.74%. BankHealthData assigns a composite Health Grade of F (27/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Maspeth Fs&La (FDIC cert 30303) is a mid-sized bank with $2.2B in total assets and $1.4B in deposits, based in Maspeth, New York. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 1.74% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 6.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.01% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Maspeth Fs&La carries a composite BankHealth grade of F (27/100) 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: Maspeth Fs&La
- Total Assets
- $2.2B
- Total Deposits
- $1.4B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 1.74%
- Liquidity Ratio
- 6.25%
- Return on Assets
- 1.01%
- Headquarters
- Maspeth, New York
- FDIC Certificate
- #30303
- Health Grade
- F (27/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Maspeth Fs&La holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Maspeth Fs&La to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Maspeth Fs&La shows some financial weakness with a Health Score of 27/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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 Maspeth Fs&La Compares
Maspeth Fs&La’s Health Score of 27 is 44 points below the New York state average of 71 across 130 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 1.74% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.01% is below the national ROA benchmark of ~1.1%. Among 578 similarly-sized banks, the average Health Score is 72, meaning this bank ranks below its size cohort. Site-wide, Maspeth Fs&La is 43 points below the portfolio average of 70.
Frequently Asked Questions
Maspeth Fs&La has a Bank Health Score of F (27/100), placing it in weak financial health. It holds a Tier 1 capital ratio of 0.00%, which is below 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. Maspeth Fs&La's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 1.74% indicate an elevated 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 Maspeth Fs&La is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30303). 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.
Maspeth Fs&La holds $2.2B in total assets and $1.4B in total deposits. It is headquartered in Maspeth, New York (FDIC Certificate #30303).
Maspeth Fs&La has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.74%, and the return on assets is 1.01%.
Yes. Maspeth Fs&La is FDIC-insured (Certificate #30303). 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 F grade on our Bank Health Score means below 40/100 — significant weakness on multiple metrics; depositors above the FDIC limit should be especially vigilant. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Maspeth Fs&La shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.