Machias, ME · Cert 19531 · Machias Bcorp MHC
SI · FDIC · 16 branches
Q2 2026
Market Position · Bangor, ME · 2026 SOD (annual) · 11.3% share · #3 of 9 inst. · $0.6B of $4.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.85% | 0.89% | 0.87% | 0.99% | +14 bps | |
| Return on Equity | 8.21% | 8.15% | 8.49% | 7.90% | 8.83% | +62 bps | |
| Net Interest Margin | 3.02% | 3.10% | 3.11% | 3.38% | 3.45% | +43 bps | |
| Efficiency Ratio | 73.46% | 71.43% | 71.11% | 68.22% | 66.99% | -647 bps | |
| Non-Interest Burden | 2.08% | 2.06% | 2.06% | 2.14% | 2.14% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.32% | -0.62% | 4.10% | 3.16% | 2.30% | +198 bps | |
| Loan Growth (YoY) | 3.59% | 2.95% | 0.66% | 0.02% | 1.68% | -191 bps | |
| Deposit Growth (YoY) | 14.30% | 8.17% | 1.00% | 4.42% | -0.89% | -1,519 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.53% | 0.42% | 0.41% | 0.40% | -4 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | 0.00% | 0.04% | 0.04% | +8 bps | |
| Allowance / Loans | 0.88% | 0.91% | 0.92% | 0.95% | 0.90% | +2 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.7x | 2.2x | 2.3x | 2.2x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.42% | 11.60% | 11.51% | 11.81% | 12.12% | +69 bps | |
| Total Risk-Based Capital | 14.15% | 14.34% | 14.99% | 15.02% | 14.95% | +79 bps | |
| Equity / Assets | 10.56% | 10.87% | 10.79% | 11.28% | 11.46% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.56% | 97.24% | 93.21% | 96.51% | 99.07% | +250 bps | |
| Liquid Assets / Assets | 1.40% | 1.95% | 8.48% | 5.40% | 2.64% | +123 bps | |
| CRE / Total Capital | n/a | 376% | 357% | 351% | n/a | n/a | |