Machias Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.31 percentage points to 11.38%. Within Maine, Machias Savings Bank is 8th of 16 on CET1 ratio, 14.01% as of Q2 2026, above the middle of the field. Machias Savings Bank reported 14.01% on CET1 ratio for Q2 2026, 0.53 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.01% |
| Tier 1 risk-based capital ratio | 14.01% |
| Total risk-based capital ratio | 14.95% |
| Tier 1 leverage ratio | 12.12% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $325.9M |
| Tier 1 capital | $325.9M |
| Total risk-based capital | $347.7M |
| Total equity capital | $306.1M |
| Risk-weighted assets | $2.33B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.46% |
| Tangible equity to tangible assets | 11.45% |
| Equity capital to average assets | 11.38% |
| Internal capital growth rate | 9.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $20.0M |
| Retained earnings | $306.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.13% | 13.13% | 14.29% | 10.97% | $2.06B |
| Q4 2023 | 13.36% | 13.36% | 14.43% | 10.85% | $2.06B |
| Q1 2024 | 13.26% | 13.26% | 14.32% | 11.07% | $2.09B |
| Q2 2024 | 12.74% | 12.74% | 13.72% | 10.90% | $2.19B |
| Q3 2024 | 12.88% | 12.88% | 13.82% | 10.79% | $2.20B |
| Q4 2024 | 13.18% | 13.18% | 14.11% | 10.97% | $2.19B |
| Q1 2025 | 13.95% | 13.95% | 14.93% | 11.31% | $2.10B |
| Q2 2025 | 13.24% | 13.24% | 14.15% | 11.42% | $2.27B |
| Q3 2025 | 13.39% | 13.39% | 14.34% | 11.60% | $2.28B |
| Q4 2025 | 14.04% | 14.04% | 14.99% | 11.51% | $2.23B |
| Q1 2026 | 14.05% | 14.05% | 15.02% | 11.81% | $2.27B |
| Q2 2026 | 14.01% | 14.01% | 14.95% | 12.12% | $2.33B |
Machias Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Machias Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Machias Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19531) · FFIEC NIC profile (RSSD 137205)