Maple City Savings Bank, FSB is a savings bank headquartered in Hornell, New York, in business for about 121 years. At the end of Q2 2026 it reported $121.8M in total assets and $108.4M in deposits, with 3 offices.
Based on its Q2 2026 filing, Maple City Savings Bank, FSB scores 55/100, which we describe as moderate. That is higher than only 11% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 90th. Its strongest component is funding & liquidity (79/100; 82% loans-to-deposits, 6% uninsured), and its lowest is capital cushion (45/100; 9.46%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (52 → 55), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 56 |
| Q4 2024 | 57 |
| Q1 2025 | 57 |
| Q2 2025 | 52 |
| Q3 2025 | 56 |
| Q4 2025 | 55 |
| Q1 2026 | 60 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.33% |
| Q3 2024 | 8.33% |
| Q4 2024 | 8.50% |
| Q1 2025 | 8.62% |
| Q2 2025 | 8.60% |
| Q3 2025 | 8.70% |
| Q4 2025 | 9.01% |
| Q1 2026 | 9.34% |
| Q2 2026 | 9.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.60% |
| Q1 2025 | 0.77% |
| Q2 2025 | 1.25% |
| Q3 2025 | 0.99% |
| Q4 2025 | 1.01% |
| Q1 2026 | 0.93% |
| Q2 2026 | 1.44% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.36% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.40% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $121.8M | 9.46% | 1.44% | 0.65% | 81.6% |
| Q1 2026 | 60 | $123.1M | 9.34% | 0.93% | 0.68% | 81.6% |
| Q4 2025 | 55 | $122.3M | 9.01% | 1.01% | 0.40% | 85.1% |
| Q3 2025 | 56 | $125.2M | 8.70% | 0.99% | 0.44% | 82.7% |
| Q2 2025 | 52 | $128.5M | 8.60% | 1.25% | 0.31% | 80.8% |
| Q1 2025 | 57 | $125.7M | 8.62% | 0.77% | 0.36% | 83.4% |
| Q4 2024 | 57 | $127.8M | 8.50% | 0.60% | 0.32% | 83.8% |
| Q3 2024 | 56 | $126.0M | 8.33% | 0.60% | 0.28% | 88.2% |
| Q2 2024 | 55 | $128.5M | 8.33% | 0.53% | 0.14% | 87.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Orient BankBank New York, NY | 60 out of 100, Moderate | $101.4M | 12.5% | 0.80% | vs |
| WSB Municipal BankBank Watertown, NY | 93 out of 100, Very strong | $152.3M | 15.2% | 0.00% | vs |
| Eastbank, National AssociationBank New York, NY | 82 out of 100, Strong | $153.0M | 23.0% | 0.00% | vs |
| The Putnam County National Bank of CarmelBank Carmel, NY | 83 out of 100, Strong | $182.7M | 26.8% | 0.48% | vs |
| Bank of RichmondvilleBank Cobleskill, NY | 77 out of 100, Strong | $185.9M | 11.5% | 0.18% | vs |
| Savannah Bank National AssociationBank Savannah, NY | 66 out of 100, Moderate | $187.2M | 8.9% | 0.23% | vs |
Deposit insurance
Is my money safe at Maple City Savings Bank, FSB?
Yes. Maple City Savings Bank, FSB is an FDIC-insured institution (FDIC certificate #28585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 6.0% of deposits ($6.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.46%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.02% (benchmark: 10%).
3 locations
Branches
Maple City Savings Bank, FSB lists 2 offices in 1 city. Most locations:
- Hornell, NY (2)
Identity & history
Profile
- Legal name
- Maple City Savings Bank, FSB
- Former names
- Maple City Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 28585
- RSSD ID
- 548472
- Primary regulator
- OCC
- Holding company
- Maple City Savings Mhc
- Established
- January 1, 1905
- Headquarters
- 145 Main St, Hornell, NY 14843
- Website
- www.maplecitysavings.com
- Employees
- 25
Quick answers
Maple City Savings Bank, FSB: common questions
Is Maple City Savings Bank, FSB FDIC insured?
Yes. Maple City Savings Bank, FSB is an FDIC-insured institution (FDIC certificate #28585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Maple City Savings Bank, FSB's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Maple City Savings Bank, FSB ever failed?
There is no failure record for FDIC certificate #28585 in the FDIC failed bank list.
How many branches does Maple City Savings Bank, FSB have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hornell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Genesee Valley Federal Credit UnionCredit union Geneseo, NY | 98 out of 100, Very strong | $175.9M | 16.6% | 0.19% | vs |
| Servu Federal Credit UnionCredit union Painted Post, NY | 86 out of 100, Very strong | $529.2M | 14.8% | 0.47% | vs |
| Alco Federal Credit UnionCredit union Wellsville, NY | 83 out of 100, Strong | $61.5M | 13.7% | 0.95% | vs |
| Steuben Citizens Federal Credit UnionCredit union Bath, NY | 76 out of 100, Strong | $35.8M | 12.2% | 0.09% | vs |
| First Heritage Federal Credit UnionCredit union Corning, NY | 72 out of 100, Strong | $839.7M | 11.1% | 0.44% | vs |
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |