Machias Savings Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Machias Savings Bank (FDIC Cert #19531) registers 66/100 on DLRadar's scale — a elevated reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Its lending reaches counties such as Penobscot County, ME, Aroostook County, ME, Hancock County, ME, Cumberland County, ME, each tied back to DLRadar's distress signals. The combination of a elevated reading and a compact footprint is what makes Machias Savings Bank worth watching as a supply signal. Machias Savings Bank is held under Machias Bcorp Mhc, so its disclosures are public and its stress trajectory is externally verifiable. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 211 ZIP codes Machias Savings Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Machias Savings Bank runs a compact, single-state real-estate lending footprint — 6 U.S. counties across 1 state, spanning 211 ZIP codes. Its heaviest exposure sits in Maine (6 counties). Because Machias Savings Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 66/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. What separates this from a plain credit rating is the geographic weighting — Machias Savings Bank's 66/100 reading reflects not just its balance sheet but the 6 counties it lends into, so the score doubles as a map of where its stress will land first.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Machias Savings Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.