BlastPoint's Banking Scorecard
Maple City Savings Bank, FSB
Hornell, NY
3 branches across NY
Maple City Savings Bank, FSB faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 43.7% in tier
- - ROA 0.59% below tier average
- - Net Interest Margin 0.40% below tier average
- - Efficiency Ratio 11.96% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.1M
-2.1% YoY
+0.6% QoQ
|
-$263.0M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.7% in tier |
| Total Loans ? |
$89.3M
-5.0% YoY
-2.4% QoQ
|
-$166.4M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
15% |
| Total Deposits ? |
$109.4M
-2.9% YoY
+1.8% QoQ
|
-$218.5M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.4% in tier |
| Return on Assets ? |
0.68%
+86.0% YoY
+69.6% QoQ
|
-0.59% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.53%
+27.9% YoY
+17.8% QoQ
|
-0.40% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
32% |
| Efficiency Ratio ? |
77.25%
-8.4% YoY
-8.0% QoQ
|
+11.96% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
0.94%
+20.6% YoY
-7.5% QoQ
|
+0.05% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
81.62%
-2.1% YoY
-4.1% QoQ
|
+4.98% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
11.92%
+48.3% YoY
+14.8% QoQ
|
-10.10% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.7% in tier |
| Nonperforming Asset Ratio ? |
0.68%
+17.1% YoY
-10.3% QoQ
|
+0.04% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
16.37%
+14.6% YoY
+4.8% QoQ
|
+0.54% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.20%
-14.7% YoY
-78.4% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Top 14.7% in tier |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.