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Machias Savings Bank

Machias, ME · Cert 19531 · Machias Bcorp MHC

SI · FDIC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

28

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Machias Savings Bank

Machias, ME · Cert 19531 · Machias Bcorp MHC

SI · FDIC · 16 branches

Q2 2026

$2.7BAssets
$2.3BLoans
$2.3BDeposits
$306.1MEquity
Loan mix
86%RE $1.8B14%C&I $0.3B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $2.0B11%Noninterest $0.3BQ3 2024Q2 2026

Market Position · Bangor, ME · 2026 SOD (annual) · 11.3% share · #3 of 9 inst. · $0.6B of $4.9B

57.0% Washington
11.3% Penobscot
3.1% Cumberland
19.7% Aroostook

Executive Summary

  • Earnings: ROA of 0.99%, up 14 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.40% of loans (-4 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.12%, up 69 bps from a year ago.
  • Funding: loans stand at 99.07% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.99%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+43 bps YoY

Efficiency Ratio (YTD, annualized)

66.99%-647 bps YoY

Tier 1 Leverage Ratio

12.12%+69 bps YoY

NIM

4.92%Q2 ’245.19%Q2 ’255.39%Q2 ’26+24%+14%

Non-interest income vs. expense

2.57%Q2 ’242.61%Q2 ’252.66%Q2 ’26+1%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.57%0.64%0.84%0.85%0.89%0.87%0.99%+14 bps
Return on Equity4.71%5.86%6.27%8.21%8.15%8.49%7.90%8.83%+62 bps
Net Interest Margin2.48%2.59%2.97%3.02%3.10%3.11%3.38%3.45%+43 bps
Efficiency Ratio85.14%81.43%77.71%73.46%71.43%71.11%68.22%66.99%-647 bps
Non-Interest Burden2.03%2.00%2.19%2.08%2.06%2.06%2.14%2.14%+6 bps
Growth
Asset Growth (YoY)6.93%5.03%1.19%0.32%-0.62%4.10%3.16%2.30%+198 bps
Loan Growth (YoY)8.81%7.99%6.93%3.59%2.95%0.66%0.02%1.68%-191 bps
Deposit Growth (YoY)3.87%12.67%11.31%14.30%8.17%1.00%4.42%-0.89%-1,519 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.30%0.33%0.44%0.53%0.42%0.41%0.40%-4 bps
Net Charge-Offs / Loans0.03%0.04%-0.06%-0.04%-0.03%0.00%0.04%0.04%+8 bps
Allowance / Loans0.90%0.89%0.89%0.88%0.91%0.92%0.95%0.90%+2 bps
Allowance Coverage of NPLs2.8x2.9x2.6x2.0x1.7x2.2x2.3x2.2x+0.3x
Capital
Tier 1 Leverage Ratio10.79%10.97%11.31%11.42%11.60%11.51%11.81%12.12%+69 bps
Total Risk-Based Capital13.82%14.11%14.93%14.15%14.34%14.99%15.02%14.95%+79 bps
Equity / Assets9.78%9.93%10.39%10.56%10.87%10.79%11.28%11.46%+90 bps
Liquidity & Funding
Loans / Deposits102.16%93.53%100.75%96.56%97.24%93.21%96.51%99.07%+250 bps
Liquid Assets / Assets3.67%3.58%1.16%1.40%1.95%8.48%5.40%2.64%+123 bps
CRE / Total Capitaln/an/an/an/a376%357%351%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Machias Savings Bank

Machias, ME · Cert 19531 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Machias Bcorp MHC

SI · FDIC · 16 branches

Q2 2026

$2.7BAssets
$2.3BLoans
$2.3BDeposits
$306.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 72% of banks $1B-$10B in assets operating regionally (rank 50 of 176).
  • Widest gap: return on equity trails 81% of banks $1B-$10B in assets operating regionally (rank 142 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.99%

Rank 125 of 176

Net Interest Margin

3.45%

Rank 100 of 176

Efficiency Ratio

66.99%

Rank 128 of 176

Equity / Assets

11.46%

Rank 51 of 176

Non-interest income vs. expense

$14.1M$71.6MINCOMEEXPENSE
Unfavorable gap of $57.5M · efficiency ratio beats 28% of banks $1B-$10B in assets operating regionally
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.99%0.93%1.26%1.54%Beats 29%125 / 176n/a
Return on Equity8.63%9.26%11.89%14.46%Beats 19%142 / 176n/a
Net Interest Margin3.45%3.25%3.59%3.93%Beats 43%100 / 176n/a
Efficiency Ratio66.99%52.79%59.55%67.66%Beats 28%128 / 176n/a
Asset Quality
Nonperforming Loans / Loans0.40%0.30%0.64%1.32%Beats 66%61 / 176n/a
Net Charge-Offs / Loans0.03%0.01%0.04%0.10%Beats 61%70 / 176n/a
Capital
Tier 1 Capital Ratio14.01%11.15%12.72%14.15%Beats 72%50 / 176n/a
Total Risk-Based Capital Ratio14.95%11.81%13.63%15.33%Beats 71%51 / 176n/a
Equity / Assets11.46%9.16%10.35%11.80%Beats 71%51 / 176n/a
Liquidity & Funding
Loans / Deposits99.07%80.94%89.73%97.21%80th pctl35 / 176n/a
Loans / Assets84.33%69.25%75.12%80.82%90th pctl18 / 176n/a
Brokered Deposits / Depositsn/aNot reported for this institution