Total Assets
$111M
Total balance-sheet footings
FDIC Cert #13736 · Maynard, Iowa · Est. 1895
Maynard Savings Bank - FDIC Bank Health Profile
A community-scale look at Maynard Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $111M
- Total assets
- B
- Health grade · Good
- 0.84%
- Return on assets
- 14.8%
- Tier 1 capital
Data updated July 2026
The verdict
Maynard Savings Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 14.79% Tier 1, 0.84% ROA, 66% efficiency ratio.
- #3,661
- largest of 4,313 FDIC banks by assets
- 15th
- percentile by asset size, nationally
- 14.79%
- Tier 1 ratio - above the 10% well-capitalized line
- 32nd
- 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 Maynard Savings Bank's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Maynard Savings Bank's composite health score
Tier 1 Capital Ratio (14.79%) 35/40
Return on Assets (ROA) (0.84%) 14/25
Texas Ratio (3.28%) 20/20
Efficiency Ratio (65.51%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$91M
Customer-funded liabilities
Net Loans
$48M
Outstanding loan book
Net Income
$912K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Maynard Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Maynard Savings Bank's score of 77/100 falls in the highlighted band.
Maynard Savings Bank'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). Maynard Savings Bank's $111M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.79% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.79%
Texas Ratio
3.28%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
32nd percentile nationally
0.84%
Return on Equity (ROE)
7.82%
Efficiency Ratio
65.51%
What the numbers say about Maynard Savings Bank
Maynard Savings Bank is an FDIC-insured institution (Certificate #13736) headquartered in Maynard, Iowa, established in 1895. It holds $111M in total assets - 3,661st of 4,313 FDIC-insured banks, $91M in customer deposits, and $48M in net loans. Capital-wise, the Tier 1 ratio sits at 14.79%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.28%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (77 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Maynard Savings Bank is a community-scale institution -- 192nd of 230 FDIC-insured banks headquartered in Iowa by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$202K
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. Maynard Savings Bank reports a Texas Ratio of 3.28% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.28% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Maynard Savings Bank (FDIC Cert #13736) - 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 Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | A | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is Maynard Savings Bank's health grade?▼
Maynard Savings Bank receives a health grade of B (77/100) 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 Maynard Savings Bank?▼
Maynard Savings Bank holds $111M in total assets and $91M in deposits, ranking 3,661st of 4,313 FDIC-insured banks by asset size. It is headquartered in Maynard, Iowa.
Is my money safe at Maynard Savings Bank?▼
Yes, deposits at Maynard Savings Bank (Certificate #13736) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Maynard Savings Bank's Tier 1 Capital Ratio?▼
Maynard Savings Bank has a Tier 1 Capital Ratio of 14.79%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Maynard Savings Bank?▼
Maynard Savings Bank has a Texas Ratio of 3.28%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Maynard Savings Bank?▼
Maynard Savings Bank has an Efficiency Ratio of 65.51%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Maynard Savings Bank's profile as a depositor or analyst.
- Maynard Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Maynard Savings Bank against other Iowa banks before moving funds. Iowa 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.