FDIC Cert #19531 · Machias, Maine · Est. 1869

Machias Savings Bank - FDIC Bank Health Profile

A community-scale look at Machias Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.7B
Total assets
B
Health grade · Good
0.89%
Return on assets
14.0%
Tier 1 capital

Data updated July 2026

The verdict

Machias Savings Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 14.04% Tier 1, 0.89% ROA, 71% efficiency ratio.

#474
largest of 4,313 FDIC banks by assets
89th
percentile by asset size, nationally
14.04%
Tier 1 ratio - above the 10% well-capitalized line
35th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 19531 · ME B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2706/4307
  • PHOTO-FINISH Community National B… · IL
  • TIER1-WELL 14.0% Tier 1
  • TEXAS-CLEAN 2.9% Texas
  • ROA-PAR 0.89% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maine: Community National Bank in Monmouth, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Machias Savings Bank

Lowest and highest poles plus nearest scored peers outside Maine, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community National B… · IL ·…73/100Harford Bank · MD · near73/100Kirkpatrick Bank · OK · near73/100Machias Savings Bank · ME · …73/100Peoples Bank of Macon · IL ·…73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Machias Savings Bank · July 2026

Plate reading for Machias Savings Bank where failures stay rare

Machias Savings Bank (FDIC Cert #19531) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,706 of 4,307. Tier 1 capital prints at 14.04%, clearing the 10% well-capitalized line. The Texas Ratio is 2.94%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.89%. Balance-sheet scale is $2.7B, 474th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community National Bank in Monmouth (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Machias Savings Bank

Zero FAILURE resolutions in Maine since 2000

Machias Savings Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FSA LEWISTON, ME 1992 → KINGFIELD SB
  • MAINE SAVINGS BANK PORTLAND, ME 1991 → FLEET BANK OF MAINE
  • MAINE NATIONAL BANK PORTLAND, ME 1991 → NEW MAINE NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maine banks.

How Machias Savings Bank's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
Machias Savings Bank's composite health score
Tier 1 Capital Ratio (14.04%) 35/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (2.94%) 20/20
Efficiency Ratio (71.11%) 4/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.7B

Total balance-sheet footings

Total Deposits

$2.3B

Customer-funded liabilities

Net Loans

$2.2B

Outstanding loan book

Net Income

$23M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.64% 14.04% 15.44%
Basel III capital ratios - Machias Savings Bank

Where Machias Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Machias Savings Bank's score of 73/100 falls in the highlighted band.

Machias Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 37th percentile higher than 37% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Machias Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Machias Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Machias Savings Bank's $2.7B falls in the highlighted band.

Safety metrics: Machias Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

14.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.04%
Texas Ratio
2.94%
Equity Capital
$293M

What these ratios mean →

Profitability metrics: Machias Savings Bank

Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
8.49%
Efficiency Ratio
71.11%

What these mean →

Income & expense at Machias Savings Bank

$141M
Interest Income
$15M
Non-Interest Income
$70M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Machias Savings Bank reports a Texas Ratio of 2.94% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Machias Savings Bank on FDIC BankFind →

Top banks in Maine by total assets

Largest banks headquartered in Maine
  1. 1
    Bangor Savings Bank $7.4B

    Bangor, ME · Grade C

  2. 2
    The Camden National Bank $7.0B

    Camden, ME · Grade A

  3. 3
    Northeast Bank $4.9B

    Portland, ME · Grade A

  4. 4
    Bar Harbor Bank & Trust $4.7B

    Bar Harbor, ME · Grade A

  5. 5
    First National Bank $3.1B

    Damariscotta, ME · Grade A

Top 5 banks in Maine ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.7B here), outside Maine so the neighborhood is not state containment.

Sunrise Banks $2.7B · SD Chemung Canal Trust Company $2.7B · NY Republic Bank of Chicago $2.7B · IL Colorado Federal Savings Bank $2.7B · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Machias Savings Bank (FDIC Cert #19531) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Machias Savings Bank Call Report profile · FDIC Failed Bank List · Maine FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maine

All Maine banks →
BankAssetsGradeROA
Bangor Savings BankBangor $7.4B C 0.39%
The Camden National BankCamden $7.0B A 1.03%
Northeast BankPortland $4.9B A 2.01%
Bar Harbor Bank & TrustBar Harbor $4.7B A 1.03%
First National BankDamariscotta $3.1B A 1.13%
Maine Community BankPortland $2.9B C 0.70%
Norway Savings BankNorway $2.1B B 1.00%
Kennebunk Savings BankKennebunk $2.0B B 0.75%