Machias Savings Bank
Machias, ME
IDRSSD: 137205
Total Assets
$2.71B
Latest filing
Total Deposits
$2.33B
Latest filing
Net Interest Margin
3.66%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
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211274531MACHIAS, ME
Key People
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Locations
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Main Office
Machias Savings Bank
4 Center St
Machias, ME 04654
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/05/1869FDIC Certificate 13331
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Machias Savings Bank (Main) | 4 Center St | Machias, ME |
| BAR HARBOR BRANCH | 96 Cottage St | Bar Harbor, ME |
| CALAIS BRANCH | 210 North St | Calais, ME |
| COLUMBIA BRANCH | 357 Us Highway 1 | Columbia, ME |
| ELLSWORTH BRANCH | 93 High St | Ellsworth, ME |
| PRINCETON BRANCH | 127 Main St | Princeton, ME |
| HOULTON BRANCH | 138 North St | Houlton, ME |
| ROCKLAND BRANCH | 3 Glen St | Rockland, ME |
Showing 7 of 15
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 03/05/1869 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 04654 |
| State and County Number | 23029 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 323 |
| Domestic Offices | 15 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 01/01/1966 |
| Primary Insurance Agency | DIF |
| Website | www.MachiasSavings.com |
| Data Updated | 01/30/2026 |
| CERT | 19531 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.71B |
| Total Deposits | $2.33B |
| Total Liabilities | $2.42B |
| Total Equity Capital | $292.96M |
| Net Income | $6.80M |
| Net Loans and Leases | $2.15B |
| Assets Per Employee ($Millions) | $8.33M |
| Bank Premises and Fixed Assets | $31.36M |
| Cash and Balances due from Depository Institutions | $254.97M |
| Deposits Held in Domestic Offices | $2.33B |
Key Performance Ratios
| Return on Assets (ROA) | 1.02% |
| Return on Equity (ROE) | 9.43% |
| Net Interest Margin | 3.66% |
| Efficiency Ratio | 70.27% |
| Tier 1 Risk-Based Capital Ratio | 14.04% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.792% |
| Earning Assets to total Assets | 95.51% |
Income and Expense
| Total Interest Income | $37.13M |
| Total Noninterest Income | $3.87M |
| Total Interest Expense | $13.84M |
| Total Noninterest Expense | $19.09M |
| Net Interest Income | $23.29M |
| Pre-tax Net Operating Income | $8.07M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $400.00k |
| Other borrowed funds | $68.83M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $24.79M |
| Total Liabilities and Capital | $2.71B |
Securities
| Securities | $212.36M |
| Available-for-sale debt securities | $205.75M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Machias Savings Bank?
$2.71B as of the latest filing.
How much are Machias Savings Bank's total deposits?
$2.33B in total deposits.
Where is Machias Savings Bank located?
Machias, ME.
What is the Net Interest Margin?
3.66%.
How many domestic offices does it operate?
15.
When was it established?
03/05/1869.
What is the Return on Assets (ROA)?
1.02%.
How much are total loans and leases?
$2.15B (latest filing).
What is the total interest income (latest filing)?
$37.13M.