🏦Bank Scorer

MACHIAS SAVINGS BANK

MACHIAS, ME · Supervised by FDIC

Est. 1869FDIC #19,531RSSD: FDIC-19531
Part ofMACHIAS BCORP MHC→ View all charters
Outstanding Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

4 Center St, MACHIAS, ME

County

Washington County

Established

March 5, 1869

Total Assets

$2.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 2026

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.6B

Total Deposits

$2.3B

Net Loans

$2.2B

Net Income

$6M

ROA

0.87%

ROE

7.90%

Risk-Based Capital

15.02%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate22.39%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

15

Branch Deposits

$2.3B

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202484466.82%22.39%
20231,05568.06%17.73%
20221,25769.69%17.02%
20211,43771.75%12.94%
20201,58265.36%16.56%
20191,05064.67%18.95%
201891464.77%18.71%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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