Bank Comparison
Machias Savings Bank vs Cornerstone Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 12
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Machias Savings Bank | Cornerstone Bank |
|---|---|---|
| CET1 Ratio | 14.05% | — |
| Tier 1 Capital Ratio | 14.05% | — |
| Total Capital Ratio | 15.02% | — |
| Tier 1 Leverage Ratio | 11.81% | 9.72% |
| Equity / Assets | 11.28% | 9.26% |
Profitability
| Metric | Machias Savings Bank | Cornerstone Bank |
|---|---|---|
| Return on Assets (ROA) | 0.87% | 1.14% |
| Return on Equity (ROE) | 7.90% | 12.63% |
| Net Interest Margin (NIM) | 3.53% | 3.39% |
| Yield on Earning Assets | 5.54% | 5.56% |
| Cost of Funds | 2.22% | 2.29% |
Asset quality
| Metric | Machias Savings Bank | Cornerstone Bank |
|---|---|---|
| Texas Ratio | 10.48% | 4.65% |
| Non-Performing Loan Ratio | 1.51% | 0.41% |
| Non-Performing Asset Ratio | 1.26% | 0.31% |
| Net Charge-Off Ratio | 0.05% | -0.01% |
| ACL / Loans | 0.95% | 1.23% |
Balance sheet
| Metric | Machias Savings Bank | Cornerstone Bank |
|---|---|---|
| Total Assets | $2,648M | $2,646M |
| Total Deposits | $2,258M | $2,383M |
| Total Loans | $2,179M | $2,013M |
| Total Equity | $298,634K | $245,029K |
| Net Income (quarter) | $5,841K | $7,709K |
Liquidity & funding
| Metric | Machias Savings Bank | Cornerstone Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.51% | 84.48% |
| Core Deposit Ratio | 96.97% | 91.67% |
| Uninsured Deposit Ratio | 14.90% | 31.70% |
Identity
| Metric | Machias Savings Bank | Cornerstone Bank |
|---|---|---|
| Headquarters City | MACHIAS | YORK |
| Headquarters State | ME | NE |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 16 | 50 |
| Employees (FTE) | 334 | 501 |
| Established | March 5, 1869, midnight | April 22, 1882, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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