Total Assets
$85M
Total balance-sheet footings
FDIC Cert #9332 · Maple Plain, Minnesota · Est. 1905
Bank of Maple Plain - FDIC Bank Health Profile
A community-scale look at Bank of Maple Plain's own numbers, pulled straight from its quarterly FDIC Call Report.
- $85M
- Total assets
- B
- Health grade · Good
- 0.07%
- Return on assets
- 28.6%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Maple Plain earns a PlainBankData health grade of B (67/100), with well-capitalized at 28.57% Tier 1, 0.07% ROA, 83% efficiency ratio.
- #3,866
- largest of 4,313 FDIC banks by assets
- 10th
- percentile by asset size, nationally
- 28.57%
- Tier 1 ratio - above the 10% well-capitalized line
- 6th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank of Maple Plain's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Maple Plain's composite health score
Tier 1 Capital Ratio (28.57%) 40/40
Return on Assets (ROA) (0.07%) 7/25
Texas Ratio (2.30%) 20/20
Efficiency Ratio (83.25%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$74M
Customer-funded liabilities
Net Loans
$41M
Outstanding loan book
Net Income
$61K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Maple Plain ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Maple Plain's score of 67/100 falls in the highlighted band.
Bank of Maple Plain's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Maple Plain's $85M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
28.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
28.57%
Texas Ratio
2.30%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
6th percentile nationally
0.07%
Return on Equity (ROE)
0.67%
Efficiency Ratio
83.25%
What the numbers say about Bank of Maple Plain
Bank of Maple Plain is an FDIC-insured institution (Certificate #9332) headquartered in Maple Plain, Minnesota, established in 1905. It holds $85M in total assets - 3,866th of 4,313 FDIC-insured banks, $74M in customer deposits, and $41M in net loans. Looking at capital strength, Tier 1 stands at 28.57%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.30%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Bank of Maple Plain ranks 186th of 227 banks based in Minnesota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$3M
Interest Income
$308K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Maple Plain reports a Texas Ratio of 2.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Maple Plain (FDIC Cert #9332) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Bank of Maple Plain's health grade?▼
Bank of Maple Plain receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bank of Maple Plain?▼
Bank of Maple Plain holds $85M in total assets and $74M in deposits, ranking 3,866th of 4,313 FDIC-insured banks by asset size. It is headquartered in Maple Plain, Minnesota.
Is my money safe at Bank of Maple Plain?▼
Yes, deposits at Bank of Maple Plain (Certificate #9332) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Maple Plain's Tier 1 Capital Ratio?▼
Bank of Maple Plain has a Tier 1 Capital Ratio of 28.57%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Maple Plain?▼
Bank of Maple Plain has a Texas Ratio of 2.30%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Maple Plain?▼
Bank of Maple Plain has an Efficiency Ratio of 83.25%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Maple Plain's profile as a depositor or analyst.
- Bank of Maple Plain's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Maple Plain against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.