Machias Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.21 percentage points lower than in Q1 2026, at 56.67%. Within Maine, Machias Savings Bank is 11th of 22 on return on assets, 1.10% as of Q2 2026, above the middle of the field. Machias Savings Bank reported 1.10% on return on assets for Q2 2026, 0.18 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.01% |
| Tier 1 risk-based capital ratio | 14.01% |
| Total risk-based capital ratio | 14.95% |
| Tier 1 leverage ratio | 12.12% |
| Equity capital to assets | 11.46% |
| Tangible equity to tangible assets | 11.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.58% |
| Non-performing assets ratio | 1.36% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 11.12% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 56.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.10% |
| Return on equity | 9.76% |
| Net interest margin | 3.67% |
| Efficiency ratio | 65.40% |
| Yield on earning assets | 5.68% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.07% |
| Core deposits to total deposits | 76.40% |
| Brokered deposits to total deposits | 20.63% |
| Deposits to assets | 85.13% |
| Securities to assets | 9.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.13% | 13.13% | 14.29% | 10.97% | 0.41% |
| Q4 2023 | 13.36% | 13.36% | 14.43% | 10.85% | 0.57% |
| Q1 2024 | 13.26% | 13.26% | 14.32% | 11.07% | 0.30% |
| Q2 2024 | 12.74% | 12.74% | 13.72% | 10.90% | 0.42% |
| Q3 2024 | 12.88% | 12.88% | 13.82% | 10.79% | 0.63% |
| Q4 2024 | 13.18% | 13.18% | 14.11% | 10.97% | 0.89% |
| Q1 2025 | 13.95% | 13.95% | 14.93% | 11.31% | 0.63% |
| Q2 2025 | 13.24% | 13.24% | 14.15% | 11.42% | 1.04% |
| Q3 2025 | 13.39% | 13.39% | 14.34% | 11.60% | 0.85% |
| Q4 2025 | 14.04% | 14.04% | 14.99% | 11.51% | 1.00% |
| Q1 2026 | 14.05% | 14.05% | 15.02% | 11.81% | 0.87% |
| Q2 2026 | 14.01% | 14.01% | 14.95% | 12.12% | 1.10% |
Machias Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Machias Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)