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Maple City Savings Bank, FSB
Hornell, NY · FDIC Certificate #28585 · Chartered 01/0
Total assets
$121.81M
Total deposits
$108.42M
Total equity
$11.09M
Net loans
$88.44M
Branches (offices)
3
Net income (YTD)
$400.00K
Rank: #3,517 of 4,213 U.S. banks by assets · #106 of 115 in New York. Assets changed -5.2% and deposits -6.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.65% |
| Return on equity | 7.30% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 9.11% |
| Tier 1 leverage ratio | 9.46% |
| Uninsured deposits (share of deposits) | 6.0% |
| Noncurrent loans (share of loans) | 1.44% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 81.6% |
| Real estate loans (share of loans) | 96.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $85.26M | 96.4% | |
| Commercial & industrial | $2.08M | 2.4% | |
| Consumer / individual | $1.39M | 1.6% | |
| Construction & development | $4.86M | 5.5% | |
| Agricultural | $38.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $109.10M | $99.18M | $238.00K | $8.01M |
| Jun 2023 | $116.71M | $105.60M | -$63.00K | $8.61M |
| Jun 2024 | $128.48M | $109.29M | $85.00K | $9.46M |
| Jun 2025 | $128.46M | $115.55M | $200.00K | $10.42M |
| Jun 2026 | $121.81M | $108.42M | $400.00K | $11.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $108.42M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $108.42M.
Similar-sized banks
Corebank ($122.08M) · Bedford Loan & Deposit Bank ($121.76M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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