Machias Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 5.19 percentage points in Q2 2026, from 250.43% to 255.61%. It was the largest change from Q1 2026 among the key lines here. Machias Savings Bank ranks 14th of 22 Maine banks on loan-to-deposit ratio, in the lower half at 99.07% (Q2 2026). Machias Savings Bank reported 99.07% on loan-to-deposit ratio for Q2 2026, 10.87 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.25B |
| Net loans and leases | $2.23B |
| Loans held for sale | $1.2M |
| Loans to total assets | 84.33% |
| Loan-to-deposit ratio | 99.07% |
| Net loans to equity capital | 7.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.47% |
| Multifamily (5+ residential) | 9.28% |
| Commercial and industrial | 13.38% |
| Consumer | 0.18% |
| Credit cards | 0.03% |
| Farm | 0.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.67% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 255.61% |
| Construction concentration (Tier 1 capital + allowance) | 38.46% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.19% |
| Interest income on loans | $34.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.99B | $2.04B | 34.96% | 11.93% | 0.74% |
| Q4 2023 | $2.00B | $2.05B | 35.15% | 12.42% | 0.73% |
| Q1 2024 | $2.04B | $1.94B | 35.52% | 12.61% | 0.61% |
| Q2 2024 | $2.14B | $2.01B | 36.08% | 12.30% | 0.51% |
| Q3 2024 | $2.16B | $2.12B | 36.65% | 12.26% | 0.42% |
| Q4 2024 | $2.16B | $2.31B | 37.09% | 11.84% | 0.37% |
| Q1 2025 | $2.18B | $2.16B | 37.93% | 11.83% | 0.32% |
| Q2 2025 | $2.22B | $2.29B | 37.52% | 12.02% | 0.28% |
| Q3 2025 | $2.23B | $2.29B | 37.53% | 12.06% | 0.34% |
| Q4 2025 | $2.17B | $2.33B | 37.16% | 12.76% | 0.23% |
| Q1 2026 | $2.18B | $2.26B | 36.82% | 13.56% | 0.20% |
| Q2 2026 | $2.25B | $2.27B | 36.47% | 13.38% | 0.18% |
Machias Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Machias Savings Bank, freeSource: Call Report Schedule RC-C, 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)