Bank · FDIC insured
Machias Savings Bank
A $2.7B bank headquartered in Machias, ME, with 16 branches in 2 states. Best rates: CDs 4.50% and savings 0.15% APY.
Machias Savings Bank Carrot Score
74
Carrot Score
Higher than 36% of U.S. banks and credit unions
#13 of 18 in Bangor, ME metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Machias Savings Bank
Machias Savings Bank operates 15 locations across Maine and New Hampshire.
- Headquarters
- 4 Center St, Machias, ME 04654
- FDIC certificate
- 19531 ↗
Branches
16 branches in 2 states
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Maine
15 branches
Bangor area · 3
- Bangor Branch1126 Hammond St, Bangor, ME 04401Directions
- Brewer Branch581 Wilson St, Brewer, ME 04412Directions
- Lincoln Branch6 Penobscot Valley Ave, Lincoln, ME 04457Directions
Machias area · 1
- Machias Savings BankMain office4 Center St, Machias, ME 04654Directions
Bar Harbor area · 1
- Bar Harbor Branch96 Cottage St, Bar Harbor, ME 04609Directions
Calais area · 1
- Calais Branch210 North St, Calais, ME 04619Directions
Caribou area · 1
- Caribou Branch142 Bennett Dr, Caribou, ME 04736Directions
Columbia area · 1
- Columbia Branch357 Us Highway 1, Columbia, ME 04623Directions
Danforth area · 1
- Danforth Branch38 Depot St, Danforth, ME 04424Directions
Ellsworth area · 1
- Ellsworth Branch93 High St, Ellsworth, ME 04605Directions
Houlton area · 1
- Houlton Branch138 North St, Houlton, ME 04730Directions
Portland area · 1
- Middle Street Portland Branch193 Middle St, Portland, ME 04101Directions
Presque Isle area · 1
- Presque Isle Branch9 Dyer St, Presque Isle, ME 04769Directions
Princeton area · 1
- Princeton Branch127 Main St, Princeton, ME 04668Directions
Rockland area · 1
- Rockland Branch3 Glen St, Rockland, ME 04841Directions
New Hampshire
1 branch
- New Hampshire Branch900 Elm St, Manchester, NH 03101Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.12% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.40% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.99% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $99 | $88 | — |
- CapitalLeverage ratio12.12%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.40%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.99%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$99Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Machias Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.