# MAPLE CITY SAVINGS BANK FSB
HORNELL, NY · FDIC certificate 28585 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $121.8M | |
| Deposits | $108.4M | |
| Loans and leases | $89.3M | |
| Total equity | $11.1M | |
| Loans / deposits | 81.58% (p65 of band) | 73.59% |
| Liquid assets / assets | 20.59% (p23 of band) | |
| Uninsured deposits / deposits | 5.96% (p5 of band) | 19.81% |
| Brokered deposits | 13.55% | |
| Wholesale funding | 15.19% (p91 of band) | |
| FHLB advances / assets | 1.64% | |
| Tier 1 leverage | 9.46% (p17 of band) | 11.76% |
| Unrealized securities loss / equity | -8.91% (p43 of band) | -6.57% |
| AOCI / equity | -0.76% (p34 of band) | |
| ROA (annualized) | 0.65% (p23 of band) | 1.17% |
| Net interest margin | 3.55% (p31 of band) | 3.93% |
| Efficiency ratio | 78.37% (p75 of band) | |
| Noncurrent loans | 1.44% (p78 of band) | 0.36% |
| Net charge-offs (annualized) | 0.05% (p80 of band) | |
| Reserve coverage of noncurrent | 66.07% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 43.86% (p75 of band) | |
| Auto loans | $140,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.2% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2011-12 | 2 |  | liquid assets <10% |
| 2012-03 | 1 |  | loans exceed deposits |
| 2012-06 | 3 | loans exceed deposits, capital falling |  |
| 2012-09 | 4 | liquid assets <10% |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 |  | reserve under noncurrent |
| 2013-06 | 4 | reserve under noncurrent |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 6 | losing money, expense ratio p90 |  |
| 2014-06 | 4 |  | losing money, expense ratio p90 |
| 2014-09 | 6 | losing money, expense ratio p90 |  |
| 2014-12 | 2 |  | loans exceed deposits, liquid assets <10%, losing money, expense ratio p90 |
| 2015-03 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | loans exceed deposits |
| 2015-12 | 1 |  | liquid assets <10% |
| 2016-03 | 2 | liquid assets <10% |  |
| 2016-06 | 4 | loans exceed deposits, uninsured deposits leaving |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 5 | capital falling |  |
| 2017-03 | 3 |  | loans exceed deposits, uninsured deposits leaving |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 4 | expense ratio p90, uninsured deposits leaving |  |
| 2018-06 | 2 |  | expense ratio p90, uninsured deposits leaving |
| 2018-09 | 3 | loans exceed deposits |  |
| 2018-12 | 4 | losing money, expense ratio p90 | loans exceed deposits |
| 2019-03 | 3 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2019-06 | 4 | loans exceed deposits |  |
| 2019-09 | 5 | capital falling, noncurrent p90 | uninsured deposits leaving |
| 2019-12 | 5 | uninsured deposits leaving | noncurrent p90 |
| 2020-03 | 4 |  | capital falling |
| 2020-06 | 2 |  | liquid assets <10%, loans exceed deposits |
| 2020-09 | 2 | capital falling | uninsured deposits leaving |
| 2020-12 | 0 |  | reserve under noncurrent, capital falling |
| 2021-03 | 1 | reserve under noncurrent |  |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 1 | reserve under noncurrent |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | capital falling | reserve under noncurrent |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 3 | brokered >10%, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-03 | 4 | capital falling, expense ratio p90 | securities losses >30% of equity |
| 2023-06 | 5 | securities losses >30% of equity, losing money | capital falling |
| 2023-09 | 3 |  | securities losses >30% of equity, losing money |
| 2023-12 | 4 | capital falling, losing money | brokered >10% |
| 2024-03 | 7 | brokered >10%, wholesale funding >15%, NIM <2.5% |  |
| 2024-06 | 5 |  | expense ratio p90, losing money |
| 2024-09 | 4 |  | capital falling |
| 2024-12 | 2 |  | uninsured deposits leaving, NIM <2.5% |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | reserve under noncurrent |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | reserve under noncurrent |
| 2026-06 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-05-14 [5 New York towns with food nicknames (and how they got them) - Rome Sentinel](https://news.google.com/rss/articles/CBMivgFBVV95cUxQRktVZURQc0V2ajc0UmpnaTh3bWVzN3hyZXExZk1vWm9GRGtLenRHQ09wUjdkZHdRTnhnVloyS2l1SHlic3FBN2ZXWXA1S3hSLW5uWW05WmNDSHJ1UU9FQ3hfNloyei14c00wQTV5Um5BVm5waTU0eFBXMFBjd0lNZ0RXd2p1NlpWeXpjUWJWUV82OUhGVnpGN2c5TTRwbU1mcEU5WnI5eDlCYUoyRGxjaWRfVzJiUU5QZ3A3SmZn?oc=5) · Rome Sentinel
- 2016-05-12 ['This community's alive' - Hornell Evening Tribune](https://news.google.com/rss/articles/CBMipwFBVV95cUxPb2JUN25NYUplU1VfaXo0SE5PcHRYczNsVy1qWEJhci1sWlBwZlEtRC1QMnVyMmFpalB6Si1EVmhkT0dWc1RrS09FS3I3SjZWZDBCVDVteV9XVzRIaVRBZzhObE1rNnpGQjVmblR3ck1kWGx5emJmMnNzS2VGYUoyNi1feWVlckxfOF9yTkFXTl9GbVVZYWpWZllITGNJWGxZT1FObEs5MA?oc=5) · Hornell Evening Tribune
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2015-05-07 [What did that house sell for? Real estate in the Tiers - Star-Gazette](https://news.google.com/rss/articles/CBMilwFBVV95cUxQeXplSFpGV2M5bXhVcnZNSHNaNjM4NExuZzVEcUdhLTdKOVBnVFAtQ1haQXc1MmlOTzc2Q1dzZHd1RlgtS3pYeE8zYXRQRmxidXRmUHNCX053bkUyQl8xaWsxVDN1RkFoLWpubEtjWk9JSmtZdXJsRlluNjhhQ0EtMWUzU3Jna29TZjlqYUhiYnhIaENra1hF?oc=5) · Star-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28585 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "28585", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide