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Machias Savings Bank
Machias, ME · FDIC Certificate #19531 · Chartered 03/0
Total assets
$2.67B
Total deposits
$2.27B
Total equity
$306.11M
Net loans
$2.23B
Branches (offices)
16
Net income (YTD)
$13.22M
Rank: #479 of 4,213 U.S. banks by assets · #7 of 22 in Maine. Assets changed 2.3% and deposits -0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 8.83% |
| Net interest margin (YTD) | 3.64% |
| Equity to assets | 11.46% |
| Tier 1 leverage ratio | 12.12% |
| Uninsured deposits (share of deposits) | 16.4% |
| Noncurrent loans (share of loans) | 0.40% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 98.2% |
| Real estate loans (share of loans) | 82.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.83B | 82.0% | |
| Commercial & industrial | $301.54M | 13.5% | |
| Consumer / individual | $4.10M | 0.2% | |
| Construction & development | $133.12M | 6.0% | |
| Agricultural | $50.19M | 2.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.27B | $1.93B | $4.47M | $222.03M |
| Jun 2023 | $2.40B | $1.96B | $5.51M | $235.36M |
| Jun 2024 | $2.60B | $2.01B | $4.62M | $245.67M |
| Jun 2025 | $2.61B | $2.29B | $10.96M | $275.71M |
| Jun 2026 | $2.67B | $2.27B | $13.22M | $306.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maine | $2.21B | 15 |
| New Hampshire | $61.11M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.27B.
Similar-sized banks
Interaudi Bank ($2.68B) · Avidbank ($2.65B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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