🏦Bank Scorer

MAPLE CITY SAVINGS BANK, FSB

HORNELL, NY · Supervised by OTS

Est. 1905FDIC #28,585
Outstanding Same

Current rating · Exam: February 2008

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.68%

Institution Profile

FDIC BankFind

Address

145 Main St, HORNELL, NY

County

Steuben County

Established

January 1, 1905

Total Assets

$123M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 5, 2008

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 18 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$123M

Total Deposits

$109M

Net Loans

$89M

Net Income

$207K

ROA

0.68%

ROE

7.59%

Risk-Based Capital

17.59%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$116M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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