Maple City Savings Bank, FSB

Overview / Commentary

www.maplecitysavings.com

607-324-1822

145 Main Street
Hornell, NY 14843

Maple City Savings Bank, FSB is headquartered in Hornell and is the 130^th largest bank in the state of New York. It is also the 4,220^th largest bank in the nation. It was established in 1905 and as of December of 2019, it had grown to 28 employees at 2 locations. Maple City Savings Bank, FSB's savings rates are 96% higher than the national average, and it has a B health rating.

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Health

Data as of Q4 2019

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

Health Grade Components

Overall
FDIC Certificate #	28585
Year Established	1905
Employees	28
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.72%
Return on Equity - YTD	7.46%
Annual Interest Income	$3.9MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$86.5MM$79.4MM
Loans	Q4 2019vs Q4 2018	$76.5MM$68.9MM
Deposits	Q4 2019vs Q4 2018	$72.1MM$70.0MM
Equity Capital	Q4 2019vs Q4 2018	$8.1MM$7.7MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$476.00K$572.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$1.2MM$1.0MM
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Maple City Savings Bank, FSB Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.25% → $10 - $1k \| 0.50% → $1k - $10k \| 1.15% → $10k - $25k
1.25%^*	$25k^*	-	Business Health Savings Account
OTHER TIERS: 0.25% → $10 - $1k \| 0.50% → $1k - $10k \| 1.15% → $10k - $25k
1.02%^*	$250k^*	$2m	Flex Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.25% → $10k - $50k \| 0.50% → $50k - $5m \| 0.75% → $100k - $250k
1.02%^*	$250k^*	$2m	Business Flex Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.25% → $10k - $50k \| 0.50% → $50k - $5m \| 0.75% → $100k - $250k
1.00%	-	$20k	Kasasa Saver
1.00%	-	-	Max Savings Account
0.10%	$10	-	Christmas Club Account

Maple City Savings Bank, FSB Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.50% → $10k+
0.50%	-	-	Max Volume Business Checking

Maple City Savings Bank, FSB CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.02%	$1k	-	30 Month CD
1.02%	$1k	-	36 Month CD
1.02%	$1k	-	48 Month CD
1.02%	$1k	-	60 Month CD
1.02%	$1k	-	Business 30 Month CD
1.02%	$1k	-	Business 36 Month CD
1.02%	$1k	-	Business 48 Month CD
1.02%	$1k	-	Business 60 Month CD
0.75%	$1k	-	12 Month CD
0.75%	$1k	-	24 Month CD
0.75%	$1k	-	15 Month CD
0.75%	$1k	-	22 Month CD
0.75%	$1k	-	Business 12 Month CD
0.75%	$1k	-	Business 15 Month CD
0.75%	$1k	-	Business 22 Month CD
0.75%	$1k	-	Business 24 Month CD
0.20%	$1k	-	182 Day CD
0.20%	$1k	-	Business 182 Day CD
0.10%	$1k	-	32 Day CD
0.10%	$1k	-	91 Day CD
0.10%	$1k	-	Business 32 Day CD
0.10%	$1k	-	Business 91 Day CD

Maple City Savings Bank, FSB IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.02%	$1k	-	30 Month IRA
1.02%	$1k	-	36 Month IRA
1.02%	$1k	-	48 Month IRA
1.02%	$1k	-	60 Month IRA
0.75%	$1k	-	12 Month IRA
0.75%	$1k	-	24 Month IRA
0.75%	$1k	-	15 Month IRA
0.75%	$1k	-	22 Month IRA
0.20%	$1k	-	182 Day IRA
0.10%	$1k	-	32 Days IRA
0.10%	$1k	-	91 Days IRA

Locations

Maple City Savings Bank, FSB Locations
Maple City Savings Bank, FSB	145 Main Street	Hornell, NY 14843
Seneca Office Branch	7301 Seneca Road North	Hornell, NY 14843

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