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Machias Savings Bank
Machias, ME·FDIC Cert #19531·Charter: STATE·Est. 18690305.0·HC: MACHIAS BCORP MHC
Total Assets
$2.7B
Q4 2025
Return on Assets
0.89%
+0.04%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.11%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
52
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.89%+0.04
ROE
8.49%+0.34
Efficiency
71.11%-0.32
Equity/Assets
0.00%+0.00
NPL Ratio
0.43%-0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.36%-3.99
Charge-offs
0.00%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.4 | 0.5 | 0.6 | 0.6 | 0.8 | 0.9 | 0.9 |
| ROE | 3.1 | 3.8 | 4.7 | 5.9 | 6.3 | 8.2 | 8.2 | 8.5 |
| Efficiency | 86.0 | 86.7 | 85.1 | 81.4 | 77.7 | 73.5 | 71.4 | 71.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.3 | 0.3 | 0.3 | 0.4 | 0.5 | 0.4 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | -0.1 | -0.0 | -0.0 | 0.0 |
| Loan/Deposit | 103.8 | 105.5 | 101.2 | 92.7 | 99.9 | 95.7 | 96.3 | 92.4 |
Balance Sheet
Total Assets$2.7B
Total Deposits$2.3B
Total Loans$2.2B
Total Equity$293.0M
Profitability
ROA0.89%
ROE8.49%
Efficiency Ratio71.11%
Net Income$23.4M
Risk & Asset Quality
NPL Ratio0.43%
Charge-off Rate0.00%
Loan/Deposit92.36%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans