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Machias Savings Bank

IDRSSD: 137205
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q2QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #137205 2024-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.5% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -4
60
Sub-score

Liquidity is stable: brokered 15.1%, loans/deposits 105.5%, cash 4.6% of assets.

Cash / Assets
4.56%
Loans / Deposits
105.53%
Brokered %
15.12%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.57%
No watch items at this period.

Capitalization

StrongQoQ -10
86
Sub-score

Capital position is strong: Tier 1 RBC 12.74%, CET1 12.74%, leverage 10.90%.

Tier 1 RBC
12.74%
CET1
12.74%
Leverage
10.90%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 2.7%, NCO YTD 0.06%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.06%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -3
82
Sub-score

Reserves are strong: ALLL 0.96% of loans, coverage 252.9%, true coverage 99.6%.

ALLL / Loans
0.96%
Coverage
252.9%
True Loss Coverage
99.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 21:27:32 UTC