Maple City Savings Bank, FSB

Maple City Savings Bank, FSB is headquartered in Hornell and is the 169^th largest bank in the state of New York. It is also the 6,378^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 19 employees at 1 location. Maple City Savings Bank, FSB's savings rates are 69% higher than the national average, and it boasts a 5-star health rating.

Maple City Savings Bank, FSB Routing Number: 222371740

Maple City Savings Bank, FSB Checking Account Rates

Maple City Savings Bank, FSB Savings Account Rates

Maple City Savings Bank, FSB Money Market Rates

Maple City Savings Bank, FSB CD Rates

Maple City Savings Bank, FSB IRA Rates

Data for Q1 2012

Institution Statistics Maple City Savings Bank, FSB OTS # 01899 FDIC Certificate # 28585 BankRate Report View Year Established 1905 Employees 19 Primary Regulator OCC Assets and Liabilities Assets $49.64 million Loans $41.29 million Deposits $42.87 million Equity Capital $6.37 million Loan Loss Allowance $158,000 Unbacked Noncurrent Loans $446,000 Historic Data - March 2011 Assets $47.88 million Equity Capital $6.28 million Loan Loss Allowance $98,000 Unbacked Noncurrent Loans $631,000 Profit Margin - Quarterly Net Interest Margin 4.69% Return on Assets 0.63% Return on Equity 4.87% Interest Income $619,000

Institution Health Overall Score: 5 out of 5 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 March 31, 2012 Maple City Savings Bank, FSB had $446,000 in non-current loans and owned real-estate with $6.52 million in equity and loan loss allowances on hand to cover it. This gives Maple City Savings Bank, FSB a Texas Ratio of 6.84% 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 decreased slightly from 9.89% as of March 31, 2011 to 6.84% as of March 31, 2012, resulting in a positive change of 30.90%.This indicates that the balance sheet and financial strength for Maple City Savings Bank, FSB has improved slightly in recent periods. Deposit Growth In the past year, Maple City Savings Bank, FSB has increased its total deposits by $1.74 million, resulting in 4.23% 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 above average. Capitalization 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 $49.64 million in assets with $6.52 million in equity, resulting in a capitalization level of 13.14%, which is excellent.

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