Machias Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Machias Savings Bank of Machias, ME against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.10% | 1.46% | -0.36% | 36th below |
| ROAE | 9.76% | 12.72% | -2.96% | 30th below |
| Net Interest Margin | 3.67% | 3.85% | -0.18% | 47th below |
| Efficiency Ratio | 65.40% | 57.40% | +8.00% | 30th below |
| PPNR / Avg Assets | 1.38% | 1.88% | -0.50% | 30th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.68% | 5.72% | -0.04% | 59th above |
| Cost of Funds | 2.01% | 2.02% | -0.01% | 51st above |
| Net Interest Spread | 3.19% | 3.18% | +0.01% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.58% | 1.00% | +0.58% | 17th bottom |
| NPA / Total Assets | 1.36% | 0.76% | +0.60% | 15th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.43% | -0.40% | 48th below |
| ACL / Total Loans | 0.90% | 1.31% | -0.41% | 19th bottom |
| ACL / NPLs (Coverage) | 56.67% | 543.87% | -487.20% | 11th bottom |
| Texas Ratio | 11.12% | 7.39% | +3.73% | 20th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 185.15% | 619.13% | -433.98% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.01% | 17.34% | -3.33% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.01% | 17.37% | -3.36% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.95% | 18.42% | -3.47% | 56th above |
| Leverage Ratio | 12.12% | 11.44% | +0.68% | 78th top |
| Equity / Assets | 11.46% | 11.33% | +0.13% | 68th above |
| TCE / Tangible Assets | 11.45% | 10.50% | +0.95% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.07% | 86.94% | +12.13% | 20th bottom |
| Core Deposit Ratio | 76.40% | 85.56% | -9.16% | 15th bottom |
| Uninsured Deposit Ratio | 16.38% | 33.14% | -16.76% | 90th top |
| Wholesale Funding Ratio | 2.56% | 5.71% | -3.15% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.30% | 9.69% | -7.39% | 31st below |
| Loan Growth (Y/Y) | 1.68% | 8.06% | -6.38% | 27th below |
| Deposit Growth (Y/Y) | -0.89% | 7.88% | -8.77% | 14th bottom |
See Machias Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Machias Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Machias Savings Bank profile, how to read a UBPR, or how this data updates.