Bank Comparison
Machias Savings Bank vs Maine Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 14
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Machias Savings Bank | Maine Community Bank |
|---|---|---|
| CET1 Ratio | 14.05% | — |
| Tier 1 Capital Ratio | 14.05% | — |
| Total Capital Ratio | 15.02% | — |
| Tier 1 Leverage Ratio | 11.81% | 9.96% |
| Equity / Assets | 11.28% | 9.37% |
Profitability
| Metric | Machias Savings Bank | Maine Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.87% | 0.97% |
| Return on Equity (ROE) | 7.90% | 10.48% |
| Net Interest Margin (NIM) | 3.53% | 3.55% |
| Yield on Earning Assets | 5.54% | 5.46% |
| Cost of Funds | 2.22% | 2.01% |
Asset quality
| Metric | Machias Savings Bank | Maine Community Bank |
|---|---|---|
| Texas Ratio | 10.48% | 6.54% |
| Non-Performing Loan Ratio | 1.51% | 0.62% |
| Non-Performing Asset Ratio | 1.26% | 0.60% |
| Net Charge-Off Ratio | 0.05% | 0.34% |
| ACL / Loans | 0.95% | 0.66% |
Balance sheet
| Metric | Machias Savings Bank | Maine Community Bank |
|---|---|---|
| Total Assets | $2,648M | $2,894M |
| Total Deposits | $2,258M | $2,271M |
| Total Loans | $2,179M | $2,396M |
| Total Equity | $298,634K | $271,101K |
| Net Income (quarter) | $5,841K | $7,017K |
Liquidity & funding
| Metric | Machias Savings Bank | Maine Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.51% | 105.53% |
| Core Deposit Ratio | 96.97% | 96.00% |
| Uninsured Deposit Ratio | 14.90% | 14.64% |
Identity
| Metric | Machias Savings Bank | Maine Community Bank |
|---|---|---|
| Headquarters City | MACHIAS | PORTLAND |
| Headquarters State | ME | ME |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 16 | 23 |
| Employees (FTE) | 334 | 363 |
| Established | March 5, 1869, midnight | July 27, 1867, 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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