BlastPoint's Banking Scorecard
Machias Savings Bank
Designations: ✓ Community bank
Machias, ME
16 branches across ME · NH
Machias Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 12.0% in tier
- - Credit Quality Pressure: Bottom 23.8% in tier
- - ROA 0.49% below tier average
- - Net Interest Margin 0.25% below tier average
- - Efficiency Ratio 7.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+3.2% YoY
-2.4% QoQ
|
-$167.2M |
$2.8B
-0.1% YoY
|
$2.2B
+5.5% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$2.2B
-0.0% YoY
+0.4% QoQ
|
+$193.9M |
$2.0B
+0.6% YoY
|
$1.7B
+6.5% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$2.3B
+4.4% YoY
-3.0% QoQ
|
-$84.9M |
$2.3B
-0.3% YoY
|
$1.7B
+2.2% YoY
|
$4.8B
+8.2% YoY
|
65% |
| Return on Assets ? |
0.87%
+36.9% YoY
-2.3% QoQ
|
-0.49% |
1.37%
+19.6% YoY
|
0.81%
+48.6% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
3.57%
+14.2% YoY
+5.5% QoQ
|
-0.25% |
3.82%
+6.9% YoY
|
3.42%
+9.8% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
68.22%
-12.2% YoY
-4.1% QoQ
|
+7.16% |
61.06%
-4.6% YoY
|
70.43%
-11.2% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
0.41%
+21.2% YoY
-4.3% QoQ
|
-0.48% |
0.89%
+14.1% YoY
|
0.56%
+20.7% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
95.59%
-4.3% YoY
+3.5% QoQ
|
+11.38% |
84.20%
+0.3% YoY
|
100.20%
+2.7% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
10.36%
+2.5% YoY
+4.4% QoQ
|
-10.93% |
21.29%
-2.5% YoY
|
16.54%
+3.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.6% in tier |
| Nonperforming Asset Ratio ? |
0.35%
+21.4% YoY
-1.1% QoQ
|
-0.32% |
0.67%
+15.6% YoY
|
0.47%
+26.7% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
14.05%
+0.7% YoY
+0.1% QoQ
|
-1.11% |
15.16%
+2.0% YoY
|
14.56%
+2.5% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.13%
+3.0% YoY
-74.9% QoQ
|
-0.12% |
0.26%
+1.6% YoY
|
0.13%
+1.6% YoY
|
0.32%
+4.1% YoY
|
46% |
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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 (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.