Machias Savings Bank
Machias Savings Bank is the primary bank subsidiary of its parent holding company, headquartered in Machias, ME. Machias Savings's Q1 2026 balance sheet shows $2.6B in assets funded primarily by $2.3B in customer deposits. Returns are in line with industry norms at 0.87% ROA and 7.90% ROE; net interest margin is 3.53%. Regulatory capital is solid — 14.05% CET1 and 15.02% total risk-based capital ratio. Credit conditions bear watching: 1.51% NPL ratio with a 10.48% Texas Ratio (elevated but below the 100% concern level). Machias Savings operates a 16-branch network.
Headquarters Profile
- Address
- 4 Center St, MACHIAS, ME 04654
- County
- Washington
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 2
- Established
- March 5, 1869
- Branches
- 16 domestic
- Employees (FTE)
- 334
- FDIC Cert
- 19531
- Fed RSSD
- 137205
- Website
- www.MachiasSavings.com →
- Parent Holding Company
- MACHIAS BANCORP, INC. (RSSD 2728586)
Capital & Liquidity
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Machias Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Machias Savings Bank
What are Machias Savings Bank's total assets?
As of the Q1 2026 filing, Machias Savings Bank reported total assets of $2.65 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Machias Savings Bank headquartered?
Machias Savings Bank is headquartered in MACHIAS, ME, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Machias Savings Bank founded?
Machias Savings Bank was established in 1869, per the FDIC institution directory.
Is Machias Savings Bank FDIC-insured?
Yes. Machias Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #19531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Machias Savings Bank?
Machias Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Machias Savings Bank's CET1 capital ratio?
Machias Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.05% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Machias Savings Bank operate?
Machias Savings Bank operates 16 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Machias Savings Bank's Texas Ratio?
Machias Savings Bank's Texas Ratio is 10.48% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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