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145 Main Street
Hornell, NY 14843

Maple City Savings Bank, FSB is headquartered in Hornell and is the 157th largest bank in the state of New York. It is also the 5,829th largest bank in the nation. It was established in 1905 and as of December of 2013, it had grown to 20 employees at 1 location. Maple City Savings Bank, FSB's savings rates are 2X the national average, and it has a A health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Maple City Savings Bank, FSB has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Maple City Savings Bank, FSB had $508,000 in non-current loans and owned real-estate with $7.04 million in equity and loan loss allowances on hand to cover it. This gives Maple City Savings Bank, FSB a Texas Ratio of 7.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Maple City Savings Bank, FSB experienced no significant changes from 4.46% as of December 31, 2012 to 7.22% as of December 31, 2013, resulting in a negative change of 62.03%. This indicates that the balance sheet and financial strength for Maple City Savings Bank, FSB has had no significant changes in recent periods.

Deposit Growth


In the past year, Maple City Savings Bank, FSB has increased its total deposits by $4.7 million, resulting in 10.39% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Maple City Savings Bank, FSB has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Maple City Savings Bank, FSB has $56.97 million in assets with $7.04 million in equity, resulting in a capitalization level of 12.35%, which is excellent.

Institution Statistics

FDIC Certificate #28585
Year Established1905
Primary RegulatorOCC
Assets and Liabilities
Assets$56.97 million
Loans$51.92 million
Deposits$49.90 million
Equity Capital$6.77 million
Loan Loss Allowance$269,000
Unbacked Noncurrent Loans$508,000
Real Estate Owned$0
Historic Data - December 2012
Assets$52.08 million
Equity Capital$6.52 million
Loan Loss Allowance$239,000
Unbacked Noncurrent Loans$508,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.27%
Return on Assets0.29%
Return on Equity2.41%
Interest Income$2.59 million
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Maple City Savings Bank, FSB Savings Account Rates

1.26%$25k-Personal Health Savings Account
1.26%$25k-Business Health Savings Account
1.00%$100k-Flex Savings Account
1.00%-$20kKasasa Saver
0.10%--Christmas Club Account
0.01%--Kasasa Saver

Maple City Savings Bank, FSB Checking Account Rates

2.50%-$10kKasasa Cash
0.10%--Kasasa Cash

Maple City Savings Bank, FSB CD Rates

1.12%$1k-36 Month CD
1.02%$1k-24 Month CD
1.02%$1k-48 Month CD
1.02%$1k-60 Month CD
0.61%$1k-30 Month CD
0.35%$1k-12 Month CD
0.35%$1k-18 Month CD
0.20%$1k-182 Day CD
0.10%$1k-32 Day CD
0.10%$1k-91 Day CD

Maple City Savings Bank, FSB IRA Rates

1.12%$1k-36 Month IRA (Traditional,Roth)
1.02%$1k-24 Month IRA (Traditional,Roth)
0.61%$1k-30 Month IRA (Traditional,Roth)
0.35%$1k-12 Month IRA (Traditional,Roth)
0.35%$1k-18 Month IRA (Traditional,Roth)
0.20%$1k-182 Day IRA (Traditional,Roth)

Maple City Savings Bank, FSB Locations
Maple City Savings Bank, FSB145 Main StreetHornell, NY 14843