Machias Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Machias Savings Bank is an FDIC-insured savings bank headquartered in Machias, ME, established in 1869 (FDIC certificate 19531), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.67B, up 2.3% from Q2 2025, the 7th largest of 22 banks headquartered in Maine. Its CET1 capital ratio was 14.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19531
- Headquarters
- Machias, ME
- Established
- 1869
- Total assets, Q2 2026
- $2.67B
- Assets vs Q2 2025
- +2.3%
- CET1 ratio, Q2 2026
- 14.01%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 211274531
- Latest call report
- Q2 2026, FFIEC 051 · Machias Savings Bank call report
- Holding company
- MACHIAS BANCORP, INC.
- Asset rank in state
- 7th of 22 in Maine
Machias Savings Bank, based in Machias, Maine, reported $2.7 billion in assets at June 30, 2026, up 2.3% from a year earlier. It holds about a fifth of its deposits (16%) above the FDIC insurance limit, about half the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. It also lost 0.9% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Its $531 million non-owner-occupied commercial real estate book is improving, with 0.07% past due or on nonaccrual, down from 4.33% a year earlier. Its $302 million commercial and industrial book is improving, with 0.34% past due or on nonaccrual, down from 1.11% a year earlier.
As of June 30, 2026, Machias Savings Bank reported a CET1 capital ratio of 14.01%, a return on assets of 1.10%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 2.92%. The figures come from its call report filed with the FFIEC.
Of the 22 banks headquartered in Maine, Machias Savings Bank is the 7th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.9% to $2.67B, loans rose 3.4% and deposits rose 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 29.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.6%. The FDIC Summary of Deposits lists 16 offices for it, in 16 cities across 2 states; its Portland office books 22% of its branch deposits. Judged on its Q2 2026 call report, Machias Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4 Center St, Machias, ME 04654
- County
- Washington
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 5, 1869
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 336
- Domestic deposits
- $2.27B
- Allowance for credit losses
- $20.2M
- Net charge-offs (YTD)
- $431K
- Average total assets
- $2.69B
- Average total loans
- $2.21B
- Average interest-bearing deposits
- $2.28B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1966
- FDIC Cert
- 19531
- Fed RSSD
- 137205
- Website
- www.MachiasSavings.com →
- Parent Holding Company
- MACHIAS BANCORP, INC. (RSSD 2728586)
- Ultimate Parent
- MACHIAS BANCORP, MHC (RSSD 2728577)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Machias Savings Bank's total assets moved between a low of $2.46B (Q3 2023) and a high of $2.71B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.67B total assets against $2.61B; $2.37B total liabilities against $2.34B.
$2.23B net loans and leases against $2.20B; $2.27B total deposits against $2.29B.
$241.1M securities against $250.0M; $96.4M cash and balances due against $63.8M.
$36.7M total interest income against $34.9M; $13.0M total interest expense against $14.5M.
$23.6M net interest income against $20.4M.
$3.5M total noninterest income against $3.6M; $17.9M total noninterest expense against $16.7M.
$0 provision for credit losses against $0.
$7.4M net income against $6.8M.
1.10% return on assets against 1.04%; 3.67% net interest margin against 3.25%.
14.01% CET1 capital ratio against 13.24%; 12.12% tier 1 leverage ratio against 11.42%.
Inside the full Machias Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Machias Savings Bank rankings
Its closest position to the top of a national ranking is 471 of 4,196, for total assets; its furthest is 875 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.63% (Q3 2024) to 1.10% (Q2 2026) and its net interest margin ran from 2.81% (Q3 2024) to 3.67% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.01% | 1.10% | 0.40% | 2.92% | 3.67% |
| Q1 2026 | 14.05% | 0.87% | 0.41% | 2.90% | 3.53% |
| Q4 2025 | 14.04% | 1.00% | 0.42% | 3.07% | 3.59% |
| Q3 2025 | 13.39% | 0.85% | 0.53% | 3.89% | 3.44% |
| Q2 2025 | 13.24% | 1.04% | 0.44% | 3.39% | 3.25% |
| Q1 2025 | 13.95% | 0.63% | 0.33% | 2.59% | 3.10% |
| Q4 2024 | 13.18% | 0.89% | 0.30% | 2.37% | 3.07% |
| Q3 2024 | 12.88% | 0.63% | 0.32% | 2.37% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Middle Street Portland Branch | Portland , ME | 04101 | $502.4M |
| Machias Savings Bank (main office) | Machias , ME | 04654 | $324.7M |
| Bangor Branch | Bangor , ME | 04401 | $266.7M |
| Brewer Branch | Brewer , ME | 04412 | $170.2M |
| Ellsworth Branch | Ellsworth , ME | 04605 | $159.6M |
| Lincoln Branch | Lincoln , ME | 04457 | $116.4M |
| Caribou Branch | Caribou , ME | 04736 | $101.2M |
| Houlton Branch | Houlton , ME | 04730 | $94.1M |
| Columbia Branch | Columbia , ME | 04623 | $89.3M |
| Presque Isle Branch | Presque Isle , ME | 04769 | $84.3M |
| Calais Branch | Calais , ME | 04619 | $83.3M |
| Bar Harbor Branch | Bar Harbor , ME | 04609 | $83.3M |
| Rockland Branch | Rockland , ME | 04841 | $70.3M |
| New Hampshire Branch | Manchester , NH | 03101 | $61.1M |
| Princeton Branch | Princeton , ME | 04668 | $38.3M |
| Danforth Branch | Danforth , ME | 04424 | $28.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 4.8% of deposits in ME, rank 9 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 840 applications, 554 loans originated, $130.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 8 loans, $1.6M approved, $198K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Machias Savings Bank
What are Machias Savings Bank's total assets?
As of the Q2 2026 filing, Machias Savings Bank reported total assets of $2.67 billion in its FFIEC call report.
Where is Machias Savings Bank headquartered?
It is headquartered in Machias, ME, United States.
When was Machias Savings Bank founded?
It was established in 1869, per the FDIC institution directory.
Is Machias Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings 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.
What is Machias Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Machias Savings Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Machias Savings Bank's Texas Ratio?
Its Texas Ratio is 2.92% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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