Machias Savings Bank (FDIC #19531): Bank Stress & Real-Estate Credit Exposure
Machias Savings Bank (FDIC Cert #19531): bank stress 66/100, elevated, STABLE over 7 days; parent MACHIAS BCORP MHC.
Machias Savings Bank (#19531) lends in 7 counties across 2 states; Machias Savings Bank (#19531) reaches 245 ZIP codes: Maine 6 counties, 211 ZIPs; New Hampshire 1 county, 34 ZIPs.
Machias Savings Bank (#19531) largest markets: Penobscot County, ME (141 branches, 47 ZIPs) (#19531), Aroostook County, ME (126 branches, 42 ZIPs) (#19531), Hancock County, ME (82 branches, 41 ZIPs) (#19531), Cumberland County, ME (38 branches, 38 ZIPs) (#19531), Hillsborough County, NH (34 branches, 34 ZIPs) (#19531), Washington County, ME (155 branches, 31 ZIPs) (#19531).
Machias Savings Bank (#19531) reports $2.67 billion in total assets; Machias Savings Bank (#19531) equity $306.1 million (11.5% of Machias Savings Bank (#19531) assets); Machias Savings Bank (#19531) domestic deposits $2.27 billion; Machias Savings Bank (#19531) net income $13.2 million; Machias Savings Bank (#19531) return on assets 0.99%; Machias Savings Bank (#19531) return on equity 8.83%; Machias Savings Bank (#19531) net interest income $46.4 million; Machias Savings Bank (#19531) call report June 30, 2026.
Machias Savings Bank (#19531) noncurrent real-estate loans 0.01% of its book; Machias Savings Bank (#19531) net charge-offs on real estate 0.39%; Machias Savings Bank (#19531) residential charge-offs 0.08%.
Machias Savings Bank (#19531) net interest margin 3.64% against an eight-quarter Machias Savings Bank (#19531) average of 3.21% (Machias Savings Bank (#19531) compression -0.43 points); Machias Savings Bank (#19531) real-estate loans 0.5% of equity; Machias Savings Bank (#19531) non-residential real estate 8.4% of equity; Machias Savings Bank (#19531) rate-exposure score 40/100, Machias Savings Bank (#19531) fixed-rate trap 40/100; Machias Savings Bank (#19531) risk type credit driven; Machias Savings Bank (#19531) rate regime rates elevated, Machias Savings Bank (#19531) snapshot October 19, 2026.
Machias Savings Bank (#19531) stress score moved from 67 on June 22, 2026 to 65.6 on October 20, 2026; Machias Savings Bank (#19531) ranged 65.6 to 67 over 117 snapshots.
Machias Savings Bank (#19531) alerts: 7 counties; top Machias Savings Bank (#19531) alert scores: Lincoln County, ME 52 (elevated); Ellsworth County, ME 24 (low); Manchester County, ME 24 (low); Portland County, ME 24 (low); Presque Isle County, ME 24 (low).