# MACHIAS SAVINGS BANK
MACHIAS, ME · FDIC certificate 19531 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.67B | |
| Deposits | $2.27B | |
| Loans and leases | $2.25B | |
| Total equity | $306.1M | |
| Loans / deposits | 98.18% (p81 of band) | 87.10% |
| Liquid assets / assets | 12.63% (p13 of band) | |
| Uninsured deposits / deposits | 16.38% (p11 of band) | 30.76% |
| Brokered deposits | 17.56% | |
| Wholesale funding | 20.12% (p89 of band) | |
| FHLB advances / assets | 2.56% | |
| Tier 1 leverage | 12.12% (p77 of band) | 10.50% |
| Unrealized securities loss / equity | -10.57% (p38 of band) | -7.75% |
| AOCI / equity | -0.02% (p72 of band) | |
| ROA (annualized) | 0.99% (p30 of band) | 1.26% |
| Net interest margin | 3.64% (p46 of band) | 3.70% |
| Efficiency ratio | 66.99% (p72 of band) | |
| Noncurrent loans | 0.40% (p40 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p55 of band) | |
| Reserve coverage of noncurrent | 224.98% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 43.49% (p46 of band) | |
| Auto loans | $529,000 (0.02% of loans; DQ 2.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 336 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 4 |  | reserve under noncurrent |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | reserve under noncurrent |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 4 | capital falling | loans exceed deposits, liquid assets <10% |
| 2012-12 | 4 | loans exceed deposits, liquid assets <10% | reserve under noncurrent, capital falling |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 5 | uninsured deposits leaving |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 6 | capital falling |  |
| 2014-06 | 6 |  |  |
| 2014-09 | 5 |  | uninsured deposits leaving |
| 2014-12 | 4 |  | capital falling |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 | capital falling | loans exceed deposits, liquid assets <10% |
| 2016-12 | 3 | loans exceed deposits | capital falling |
| 2017-03 | 4 | expense ratio p90 |  |
| 2017-06 | 4 | liquid assets <10% | expense ratio p90 |
| 2017-09 | 3 |  | liquid assets <10% |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 0 |  | brokered >10%, wholesale funding >15%, loans exceed deposits |
| 2018-09 | 0 |  |  |
| 2018-12 | 3 | brokered >10%, capital falling, charge-offs p90 |  |
| 2019-03 | 0 |  | brokered >10%, capital falling, charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2020-03 | 1 |  | liquid assets <10% |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 2 | brokered >10% |  |
| 2022-03 | 1 | securities losses >30% of equity | capital falling, brokered >10% |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 3 | deposits shrinking |  |
| 2023-03 | 4 | wholesale funding >15%, expense ratio p90, uninsured deposits leaving | capital falling, deposits shrinking |
| 2023-06 | 3 | brokered >10% | securities losses >30% of equity, uninsured deposits leaving |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 4 | loans exceed deposits | capital falling |
| 2024-06 | 4 |  |  |
| 2024-09 | 5 | capital falling |  |
| 2024-12 | 2 |  | expense ratio p90, loans exceed deposits, capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-26 [Scam alert: Fraudsters impersonate Machias Savings Bank - WABI](https://news.google.com/rss/articles/CBMijwFBVV95cUxQdUVSQWw0WDVIOXY4Nml2YVZrOTQxM1VoOXJvdmVmSERHNFIxOEsxWmRrTDM3NFZwUU0tbEdrU1V2ZjVtZkdGc2FvQ29mMV9SdE5wdGtmc0UtaU5USk4yb3RYcEZFZzJlOGI1NF93eUhBcHNmNjNKYzBzSjdubmVmSUdXYkNXQmh0SkM5M2VHa9IBowFBVV95cUxPOFM5ZFBDRVBRUXdjZG92bHNqaTlodFdVRkdDQzFDZzl3aHRfV2t4cUFBUUZGeUg0RXNPa2JWTVJDX3RfaWthTXAyNEM0aTZ5Wk9MQXB3TFBUZDc4V1FtcU9iM2t0cEp5dldtNlRhY2RoYjlNSi1qcTljWnZHYWxsYjVnRFlWbHdEYVduQ0s2R1RUV2RnS0luYlZmblE2MFNZbVIw?oc=5) · WABI
- 2026-02-26 [Scam alert: Fraudsters impersonate Machias Savings Bank - WAGM](https://news.google.com/rss/articles/CBMimwFBVV95cUxOX0VELTlwcUY1REtmSlF6bm9sTnpRM2tkTGx1VlBoQ3plX3VTWEZuU3RTVnJGYmZhalpRMHV2YjdZT25WRllfWnJ3NkJzOWZ0MVQ3ZGpjSDgzV3dNVmNxaTkycmRFSmVoa1BOR1pkcTQ1cHdwV3lYUl9PQjM2VHpUSWFvbmQ5dEtlUUhGT0ZBZV92ZEhJSkt3alhCNA?oc=5) · WAGM
- 2025-03-06 [Machias Savings plans first foray into Granite State - mainebiz.biz](https://news.google.com/rss/articles/CBMiigFBVV95cUxOWlZ1YjdWektRLUhsVlkzaU1YQzFEcm5OTi1oZVlCa29BWXVsSmFaU2pTbzdINHhtUDFrczg2N1VtQUMyZWJHVVNVVjB1QTZkczhWQTB4T3ZpVUQwS19fWWRqWF9zcjJwNmcxV3RKQ0h2QnFjYU1VUUtPZ1RKdTBYdUJlNVdIcFJBUVE?oc=5) · mainebiz.biz
- 2026-07-04 [Washington County Commission fires County Manager Renée Gray - Bangor Daily News](https://news.google.com/rss/articles/CBMizwFBVV95cUxPSGs2RXkwMFBpdmxkel9KNTZNenNrRFpycjVsZUphYkJDakVqQnpUZjlLR29yT1NWQ18yREk4TGpvelV1NzduZGVCV211MHpOYUNhVUFtRnBKc3NYODYzWWZaV2JuY211cGtTeWVfNFdYZVVCUmp6VnZXbzg1VkpSWUZMTjhWaWpyQ1JTRHc4a2lRQzRyX0F6S1JvaXRrS3dYT002SFZxNllacXlWSTJXWXQ2N2xzZWFidjFWZnh6OHpPRWdFampVVXhUWUktU2s?oc=5) · Bangor Daily News
- 2026-02-19 [Washington County pays down a big loan and hopes to get another - The Maine Monitor](https://news.google.com/rss/articles/CBMibkFVX3lxTFBTcnRTazhtWFVJeGltMlNXLVQ1em9pbFV3aGYxSVJ6TDl4RUI2MzNEbVZiZWc1N0VfVWpWRlR6VmFEQWQ5b2staTI5X0d2b1VuclgxMnN5VE4xOTFleXlDNnZPZWU3VlJmMHBxSTJ3?oc=5) · The Maine Monitor
- 2025-11-18 [Machias Savings adds commercial banker in southern Maine - mainebiz.biz](https://news.google.com/rss/articles/CBMijwFBVV95cUxQaVU5UGRjU2lRcHdCWkY5QXJUakhybk5qNlZPbHRTWjJaRUhHRHhLOVlTQXFqZGwweTBHY2laYzc2cDJ5bnpmdURwM2tVUjl6Y1l1M2ZlTUlVSW1FRGoxenBZTDhEOVNEWmd3amtWeS1PVWxrWE9sdmFrZWxicEJzTHR4N0VJdXcxeThIdkFmaw?oc=5) · mainebiz.biz
- 2025-11-06 [Washington County is scrambling to save itself from financial ruin after voters reject bond - Bangor Daily News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNcDcyaFdqczg3WjJkT0R0V1JqZmZJT2JiZGF3M1JEMEJycHk4QzdLNlI1NE9SRjdERXVnUjNLRUdIbzgydVBlSWo2bEo5X3ZPRnVZUmVYRzQ2X0xkMmczb0R3X1ctZHBza3YwRDEyeDJESElFbjhzYWpTb0p2dVhRei1WS0xBRjE3U1FZdDlHYVpuUS1uTFBGMDVHQV8yNjlzR0psb1pxd3p1SjlGVW5fU09lQjhEUjl0UUUxVUlaMXFjZw?oc=5) · Bangor Daily News
- 2025-01-21 [Some Machias Savings Bank customers may have had their credit scores affected - WABI](https://news.google.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?oc=5) · WABI

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19531 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "19531", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide