MACHIAS SAVINGS BANK

MACHIAS, ME | Large | Est. March 5, 1869, midnight | FDIC #19531 | RSSD #137205 | FDIC
Latest Report: 2025-12-31

MACHIAS SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in MACHIAS, ME, established in March 5, 1869, midnight. As of 2025-12-31, the bank reported total assets of $2.7B and total deposits of $2.3B. Profitability stands at 1.02% ROA and 9.43% ROE, with a net interest margin of 3.80%. The bank's CET1 capital ratio is 14.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.42% and a Texas Ratio of 3.06%. FDIC Certificate #19531.

Assets

$2.7B

Deposits

$2.3B

Loans

$2.2B

Equity

$293M

Profitability

Return on Assets (ROA) 1.02%
Return on Equity (ROE) 9.43%
Net Interest Margin (NIM) 3.80%
Yield on Assets 6.06%
Cost of Funds 4.47%

Asset Quality

NPL Ratio 0.42%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.06%
NPA Ratio 0.35%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 14.04%
Tier 1 Capital 14.04%
Total Capital Ratio 14.99%
Leverage Ratio 11.51%
Loan-to-Deposit 93.21%

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