BlastPoint's Banking Scorecard
Machias Savings Bank
Community
Specialty: Commercial
ME
FDIC cert 19531
Machias, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Machias Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2% in Community
- - Liquidity Strain: Bottom 8% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+4.1% YoY
+3.8% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$2.2B
+0.6% YoY
-2.5% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$2.3B
+1.0% YoY
+1.7% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.89%
+56.9% YoY
+4.8% QoQ
|
-0.27% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.38%
+21.4% YoY
+2.5% QoQ
|
-0.28% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
71.11%
-12.7% YoY
-0.4% QoQ
|
+8.48% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.43%
+41.1% YoY
-19.4% QoQ
|
-0.20% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
92.36%
-0.4% YoY
-4.1% QoQ
|
+9.30% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
9.93%
-5.5% YoY
-11.0% QoQ
|
-11.12% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.35%
+40.1% YoY
-21.9% QoQ
|
-0.14% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
14.04%
+6.5% YoY
+4.8% QoQ
|
+3.80% |
10.24%
-0.6% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.54%
-4.8% YoY
+31.4% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#15 of 642 · Bottom 2% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#41 of 513 · Bottom 8% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.36%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
69
69th pctile
Tier 1 Capital Ratio
Current: 14.04% · Tier avg: 10.24%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
36
36th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
31
31th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.36% · Tier avg: 83.06%
24
24th pctile
Efficiency Ratio
Current: 71.11% · Tier avg: 62.63%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.93% · Tier avg: 21.05%
Top Weaknesses
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.93% · Tier avg: 21.05%
24
24th pctile
Efficiency Ratio
Current: 71.11% · Tier avg: 62.63%
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.36% · Tier avg: 83.06%
31
31th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
36
36th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.04% · Tier avg: 10.24%
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M