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145 Main Street
Hornell, NY 14843

Maple City Savings Bank, FSB is headquartered in Hornell and is the 156th largest bank in the state of New York. It is also the 5,772nd largest bank in the nation. It was established in 1905 and as of March of 2014, 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 B+ health rating.

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Data for Q1 2014

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 capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Maple City Savings Bank, FSB had $878,000 in non-current loans and owned real-estate with $6.99 million in equity and loan loss allowances on hand to cover it. This gives Maple City Savings Bank, FSB a Texas Ratio of 12.56% which is above average. 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 dramatically from (infinite) as of March 31, 2013 to 12.56% as of March 31, 2014, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Maple City Savings Bank, FSB has improved dramatically in recent periods.

Deposit Growth


In the past year, Maple City Savings Bank, FSB has increased its total deposits by $3.55 million, resulting in 7.55% 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 $57.58 million in assets with $6.99 million in equity, resulting in a capitalization level of 12.14%, which is excellent.

Institution Statistics

FDIC Certificate #28585
Year Established1905
Primary RegulatorOCC
Assets and Liabilities
Assets$57.58 million
Loans$53.03 million
Deposits$50.56 million
Equity Capital$6.71 million
Loan Loss Allowance$274,000
Unbacked Noncurrent Loans$878,000
Real Estate Owned$0
Historic Data - March 2013
Assets$53.96 million
Equity Capital$6.56 million
Loan Loss Allowance$253,000
Unbacked Noncurrent Loans$878,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.89%
Return on Assets-0.38%
Return on Equity-3.2%
Interest Income$624,000
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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
1.01%$100k-Flex Savings Account
1.00%-$20kKasasa Saver - Qualifying
0.10%--Christmas Club Account
0.05%--Kasasa Saver - Non Qualifying

Maple City Savings Bank, FSB Checking Account Rates

2.50%-$10kKasasa Cash - Qualifying
0.01%--Kasasa Cash - Non Qualifying

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
1.02%$1k-24 Month IRA
0.61%$1k-30 Month IRA
0.35%$1k-12 Month IRA
0.35%$1k-18 Month IRA
0.20%$1k-182 Day IRA

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