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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