BlastPoint's Banking Scorecard

Maple City Savings Bank, FSB

$100M-$1B Specialty: Mortgage NY FDIC cert 28585

Hornell, NY

3 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits -6.2% year over year ($108.4M on the books).
Delinquency rate 1.45%.
Return on assets 0.65%.
Efficiency ratio 78.37% vs a 64.48% peer average.
Loan-to-deposit ratio 81.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

Maple City Savings Bank, FSB faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 27.1% in tier
- ROA 0.67% below tier average
- Net Interest Margin 0.44% below tier average
- Efficiency Ratio 13.89% above tier average
- Delinquency Rate 0.53% above tier average

Get updates when Maple City Savings Bank, FSB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$121.8M -5.2% YoY -1.0% QoQ	-$264.8M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	Bottom 6.1% in tier
Total Loans ?	$88.4M -5.2% YoY -1.0% QoQ	-$169.9M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	Bottom 14.1% in tier
Total Deposits ?	$108.4M -6.2% YoY -0.9% QoQ	-$218.3M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	Bottom 8.1% in tier
Return on Assets ?	0.65% +108.1% YoY -3.2% QoQ	-0.67%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	17%
Net Interest Margin ?	3.55% +26.3% YoY +0.6% QoQ	-0.44%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	30%
Efficiency Ratio ?	78.37% -9.5% YoY +1.4% QoQ	+13.89%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	16%
Delinquency Rate ?	1.45% +15.2% YoY +54.5% QoQ	+0.53%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	19%
Loan-to-Deposit Ratio ?	81.58% +1.0% YoY -0.0% QoQ	+3.63%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	46%
Non-Interest-Bearing Deposit Share ?	11.15% +7.8% YoY -6.5% QoQ	-10.88%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	Bottom 12.9% in tier
Nonperforming Asset Ratio ?	1.05% +15.1% YoY +54.5% QoQ	+0.39%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	16.79% +16.6% YoY +2.5% QoQ	+0.88%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.42% -5.2% YoY +115.8% QoQ	-0.14%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Top 12.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	11.2% +0.8pp YoY -0.8pp QoQ	-11.0pp	22.1%	22.1%	22.2%	12%
Brokered Deposits	15.2% -2.0pp YoY -0.8pp QoQ	+7.4pp	7.9%	8.0%	8.5%	85%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	2.4% -0.5pp YoY -0.5pp QoQ	-9.2pp	11.6%	11.0%	12.5%	8%
CRE	16.7% -2.9pp YoY -0.3pp QoQ	-22.8pp	39.5%	46.2%	41.4%	13%
1-4 Family	79.4% +3.3pp YoY +0.7pp QoQ	+46.8pp	32.6%	36.6%	31.3%	96%
Consumer	1.6% +0.1pp YoY +0.1pp QoQ	-2.5pp	4.1%	5.1%	5.0%	41%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	16.8% +2.4pp YoY +0.4pp QoQ	-2.0pp	18.8%	26.1%	19.7%	62%
Leverage Ratio	9.5% +0.9pp YoY +0.1pp QoQ	-2.7pp	12.2%	13.9%	12.6%	20%
Total Capital Ratio	18.0% +2.5pp YoY +0.4pp QoQ	-1.9pp	19.9%	27.2%	20.8%	63%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	25 0 YoY -1 (-3.8%) QoQ	-34	58	914	482	19%
Assets per Employee ($)	$4.9M -5.2% YoY +2.9% QoQ	-$2.6M	$7.5M	$14.8M	$8.8M	13%
Branch Count	3 0 YoY 0 QoQ	-2	4	27	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	1.5% +0.2pp YoY +0.5pp QoQ	+0.5pp	0.9%	1.3%	1.0%	81%
Allowance Coverage	0.66x -11.7% YoY -34.4% QoQ	-23.49x	24.15x	1.92x	20.23x	16%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	7.3% +3.4pp YoY -0.3pp QoQ	-4.9pp	12.2%	7.9%	11.6%	22%
Cost of Funds (YTD)	2.1% -0.4pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.8%	1.7%	76%
Net Income ($, YTD)	$400,000 +100.0% YoY — QoQ	-$2.2M	$2.6M	$111.2M	$40.4M	8%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline

#146 of 535 • Bottom 27.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

342

Non-Interest Income / Assets

revenue_mix

Value: 0.42%

Peer Median: 0.57%

#342 of 2643 Top 12.9% in $100M-$1B

635

Tier 1 Capital Ratio

capital

Value: 16.79%

Peer Median: 15.91%

#635 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (8 metrics)

2483

Total Assets

size

Value: $121.81M

Peer Median: $386.57M

#2483 of 2643 Bottom 6.1% in $100M-$1B

2431

Total Deposits

size

Value: $108.42M

Peer Median: $326.73M

#2431 of 2643 Bottom 8.1% in $100M-$1B

2303

Non-Interest-Bearing Deposit Share

funding

Value: 11.15%

Peer Median: 22.03%

#2303 of 2643 Bottom 12.9% in $100M-$1B

2271

Total Loans

size

Value: $88.44M

Peer Median: $258.35M

#2271 of 2643 Bottom 14.1% in $100M-$1B

2230

Efficiency Ratio

profitability

Value: 78.37%

Peer Median: 64.48%

#2230 of 2643 Bottom 15.7% in $100M-$1B

2194

Return on Assets

profitability

Value: 0.65%

Peer Median: 1.32%

#2194 of 2643 Bottom 17.0% in $100M-$1B

2132

Delinquency Rate

credit_quality

Value: 1.45%

Peer Median: 0.92%

#2132 of 2633 Bottom 19.1% in $100M-$1B

2140

Nonperforming Asset Ratio

credit_quality

Value: 1.05%

Peer Median: 0.67%

#2140 of 2643 Bottom 19.1% in $100M-$1B