Machias Savings Bank
Total assets
$2.67B
▲ +2.3% YoY
Deposits
$2.27B
▼ -0.9% YoY
Loans
$2.23B
▲ +1.7% YoY
Offices
16
MACHIAS BCORP MHC
ROA (annualized)
0.99%
peers 1.26%
ROE (annualized)
8.83%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Machias Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +5.5% | -3.2 pts |
| Deposit growth (YoY) | -0.9% | +5.1% | -5.9 pts |
| Loan growth (YoY) | +1.7% | +5.9% | -4.3 pts |
| ROA | 0.99% | 1.26% | -0.3 pts |
| ROE | 8.8% | 12.2% | -3.3 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
Profile
- Established
- 1869
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MACHIAS BCORP MHC
- Specialization
- Commercial Lending Specialization
- Address
- 4 Center St, Machias, ME, 04654
- County
- Washington
- Offices
- 16
- FDIC cert #
- 19531
- RSSD ID
- 137205
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.67B | $2.27B | $2.23B | $306.1M | $13.2M | 0.99% | 3.64% | 0.36% |
| Q1 2026 | $2.65B | $2.26B | $2.16B | $298.6M | $5.8M | 0.87% | 3.57% | 0.35% |
| Q4 2025 | $2.71B | $2.33B | $2.15B | $293.0M | $23.4M | 0.89% | 3.38% | 0.35% |
| Q3 2025 | $2.62B | $2.29B | $2.20B | $284.4M | $16.6M | 0.85% | 3.30% | 0.45% |
| Q2 2025 | $2.61B | $2.29B | $2.20B | $275.7M | $11.0M | 0.84% | 3.21% | 0.38% |
| Q1 2025 | $2.57B | $2.16B | $2.16B | $266.8M | $4.1M | 0.64% | 3.13% | 0.29% |
| Q4 2024 | $2.61B | $2.31B | $2.14B | $258.8M | $14.6M | 0.57% | 2.79% | 0.25% |
| Q3 2024 | $2.63B | $2.12B | $2.14B | $257.5M | $8.7M | 0.45% | 2.67% | 0.27% |
Loan mix (Q2 2026): real estate $1.83B · commercial $301.5M · consumer $4.1M · securities $241.1M
Signals what changed in the call reports
Nothing unusual in Q2 2026 — steady quarter.
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Machias Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.26% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 12.2% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.70% | 46th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 59.0% | 72th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Machias Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Machias Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Machias Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Machias Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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