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
Unfavorable gap of $57.5M · efficiency ratio beats 28% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.93% | 1.26% | 1.54% | Beats 29% | 125 / 176 | |
| Return on Equity | 8.63% | 9.26% | 11.89% | 14.46% | Beats 19% | 142 / 176 | |
| Net Interest Margin | 3.45% | 3.25% | 3.59% | 3.93% | Beats 43% | 100 / 176 | |
| Efficiency Ratio | 66.99% | 52.79% | 59.55% | 67.66% | Beats 28% | 128 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.30% | 0.64% | 1.32% | Beats 66% | 61 / 176 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 61% | 70 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 14.01% | 11.15% | 12.72% | 14.15% | Beats 72% | 50 / 176 | |
| Total Risk-Based Capital Ratio | 14.95% | 11.81% | 13.63% | 15.33% | Beats 71% | 51 / 176 | |
| Equity / Assets | 11.46% | 9.16% | 10.35% | 11.80% | Beats 71% | 51 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 99.07% | 80.94% | 89.73% | 97.21% | 80th pctl | 35 / 176 | |
| Loans / Assets | 84.33% | 69.25% | 75.12% | 80.82% | 90th pctl | 18 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |