BlastPoint's Banking Scorecard

Machias Savings Bank

$1B-$10B Specialty: Commercial ME FDIC cert 19531

Designations: ✓ Community bank

Machias, ME

16 branches across ME · NH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in ME.
Deposits -0.9% year over year ($2.3B on the books).
Delinquency rate 0.40%.
Return on assets 0.99%.
Efficiency ratio 66.99% vs a 59.73% peer average.
Loan-to-deposit ratio 98.18% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 15 in ME

View $1B-$10B leaderboard (ME) →

Machias Savings Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 26.0% in tier
- ROA 0.40% below tier average
- Net Interest Margin 0.23% below tier average
- Efficiency Ratio 7.26% above tier average

Get updates when Machias Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Total Assets ?	$2.7B +2.3% YoY +0.9% QoQ	-$121.9M	$2.8B -0.6% YoY	$2.2B +6.4% YoY	$6.3B +7.7% YoY	64%
Total Loans ?	$2.2B +1.7% YoY +3.4% QoQ	+$269.5M	$2.0B -0.3% YoY	$1.7B +7.1% YoY	$3.2B +9.4% YoY	72%
Total Deposits ?	$2.3B -0.9% YoY +0.7% QoQ	-$44.7M	$2.3B -0.5% YoY	$1.7B +2.6% YoY	$4.9B +7.3% YoY	66%
Return on Assets ?	0.99% +16.8% YoY +13.3% QoQ	-0.40%	1.39% +17.0% YoY	0.97% +42.0% YoY	1.30% +12.1% YoY	29%
Net Interest Margin ?	3.64% +13.4% YoY +2.0% QoQ	-0.23%	3.87% +6.2% YoY	3.45% +9.6% YoY	3.95% +4.9% YoY	46%
Efficiency Ratio ?	66.99% -8.8% YoY -1.8% QoQ	+7.26%	59.73% -12.6% YoY	70.51% -8.6% YoY	70.05% +2.5% YoY	28%
Delinquency Rate ?	0.40% -9.2% YoY -1.6% QoQ	-0.46%	0.87% +11.7% YoY	0.57% +7.0% YoY	0.98% +16.3% YoY	61%
Loan-to-Deposit Ratio ?	98.18% +2.6% YoY +2.7% QoQ	+13.14%	85.04% -0.1% YoY	101.71% +3.8% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	11.31% +11.4% YoY +9.1% QoQ	-9.97%	21.27% -1.5% YoY	16.78% +2.2% YoY	21.98% -0.6% YoY	Bottom 14.0% in tier
Nonperforming Asset Ratio ?	0.36% -6.8% YoY +1.9% QoQ	-0.32%	0.67% +11.7% YoY	0.49% +14.6% YoY	0.69% +15.8% YoY	57%
Tier 1 Capital Ratio ?	14.01% +5.8% YoY -0.3% QoQ	-0.83%	14.84% -0.4% YoY	14.51% +1.8% YoY	17.09% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.26% -1.0% YoY +96.7% QoQ	-0.26%	0.53% +2.5% YoY	0.26% -0.2% YoY	0.66% +5.2% YoY	43%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Noninterest-Bearing	11.3% +1.2pp YoY +0.9pp QoQ	-10.1pp	21.4%	16.8%	22.2%	14%
Brokered Deposits	20.6% -4.8pp YoY -2.7pp QoQ	+11.2pp	9.5%	12.9%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
C&I	13.5% +1.4pp YoY -0.2pp QoQ	-0.5pp	14.0%	8.7%	12.5%	62%
CRE	52.1% -1.0pp YoY +0.4pp QoQ	+2.1pp	50.0%	38.6%	41.4%	58%
1-4 Family	29.5% -0.1pp YoY -0.6pp QoQ	+3.1pp	26.4%	49.6%	31.3%	65%
Consumer	0.2% -0.1pp YoY 0.0pp QoQ	-4.5pp	4.7%	1.9%	5.0%	18%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
CET1 Ratio	14.0% +0.8pp YoY 0.0pp QoQ	-1.6pp	15.6%	15.4%	19.7%	58%
Leverage Ratio	12.1% +0.7pp YoY +0.3pp QoQ	+0.8pp	11.3%	11.6%	12.6%	78%
Total Capital Ratio	14.9% +0.8pp YoY -0.1pp QoQ	-1.7pp	16.7%	16.4%	20.8%	55%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Full-Time Employees	336 +14 (+4.3%) YoY +2 (+0.6%) QoQ	+22	313	259	482	71%
Assets per Employee ($)	$8.0M -2.0% YoY +0.3% QoQ	-$2.5M	$10.5M	$8.5M	$8.8M	39%
Branch Count	16 +1 (+6.7%) YoY 0 QoQ	-4	20	18	18	53%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.0%	0.4%	10%
Nonaccrual	0.4% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.8%	0.6%	1.0%	40%
Allowance Coverage	2.25x +13.0% YoY -4.1% QoQ	-16.46x	18.71x	7.67x	20.23x	53%
Net Charge-off Rate (YTD)	0.0% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	49%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
ROE	8.8% +0.6pp YoY +0.9pp QoQ	-3.8pp	12.6%	8.8%	11.6%	25%
Cost of Funds (YTD)	2.0% -0.3pp YoY 0.0pp QoQ	+0.1pp	1.9%	2.0%	1.7%	61%
Net Income ($, YTD)	$13.2M +20.5% YoY — QoQ	-$6.0M	$19.2M	$12.8M	$40.4M	54%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#95 of 361 • Bottom 26.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 98.18%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

762

Non-Interest-Bearing Deposit Share

funding

Value: 11.31%

Peer Median: 21.27%

#762 of 885 Bottom 14.0% in $1B-$10B

720

Loan-to-Deposit Ratio

liquidity

Value: 98.18%

Peer Median: 85.04%

#720 of 885 Bottom 18.8% in $1B-$10B