BlastPoint's Banking Scorecard
Maple City Savings Bank, FSB
Micro
Specialty: Mortgage
NY
FDIC cert 28585
Designations: ✓ Community bank
Hornell, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Maple City Savings Bank, FSB demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.35% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$122.3M
-4.3% YoY
-2.3% QoQ
|
-$95.2M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$91.5M
-3.5% YoY
-1.0% QoQ
|
-$47.7M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$107.5M
-5.0% YoY
-3.9% QoQ
|
-$76.2M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.40%
+24.8% YoY
-10.1% QoQ
|
-0.69% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
3.00%
+18.3% YoY
+3.1% QoQ
|
-0.86% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
83.96%
-2.8% YoY
+1.7% QoQ
|
+16.23% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
1.02%
+68.0% YoY
+2.2% QoQ
|
+0.38% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
85.12%
+1.5% YoY
+3.0% QoQ
|
+10.60% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
10.38%
+19.4% YoY
+6.4% QoQ
|
-12.01% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.76%
+69.3% YoY
+3.6% QoQ
|
+0.31% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
15.62%
+11.2% YoY
+2.8% QoQ
|
+6.77% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.91%
-26.9% YoY
+30.7% QoQ
|
+0.35% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.91%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.62% · Tier avg: 8.85%
39
39th pctile
Total Loans
Current: $91.5M · Tier avg: $139.2M
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.12% · Tier avg: 74.53%
31
31th pctile
Total Deposits
Current: $107.5M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $122.3M · Tier avg: $217.5M
28
28th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.64%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.45%
16
16th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.85%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
14
14th pctile
Efficiency Ratio
Current: 83.96% · Tier avg: 67.73%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.38% · Tier avg: 22.39%
Top Weaknesses
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.38% · Tier avg: 22.39%
14
14th pctile
Efficiency Ratio
Current: 83.96% · Tier avg: 67.73%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
16
16th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.85%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.45%
28
28th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.64%
30
30th pctile
Total Assets
Current: $122.3M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $107.5M · Tier avg: $183.7M
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.12% · Tier avg: 74.53%
39
39th pctile
Total Loans
Current: $91.5M · Tier avg: $139.2M
75
75th pctile
Tier 1 Capital Ratio
Current: 15.62% · Tier avg: 8.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%