This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Machias, ME
Health score
78.7
Total assets
$2.7B
Answer first
Machias Savings Bank leads on financial health and capitalization and profitability; Mascoma Bank leads on lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Machias Savings Bank
Higher TFS health score
Capitalization
Machias Savings Bank
Higher comparable capital ratio
Profitability
Machias Savings Bank
Higher return on assets
Lending quality
Mascoma Bank
Lower problem-loan measure
Growth
Mascoma Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Machias Savings Bank | Mascoma Bank |
|---|---|---|
| TFS health score | 78.7/100Leads | 69.1/100 |
| Total assets | $2.7B | $3.0B |
| Total deposits / shares | $2.3B | $2.6B |
| Tier 1 capital ratio | 12.12%Leads | 9.09% |
| Return on assets | 0.99%Leads | 0.50% |
| Return on equity | 8.83%Leads |
Machias Savings Bank
16 branches
Mascoma Bank
26 branches
Both institutions report branches in 1 state: NH.
Machias Savings Bank
Unavailable
Mascoma Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Machias Savings Bank
0 in TFS registry
Mascoma Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Machias Savings Bank score | Machias Savings Bank ROA | Mascoma Bank score | Mascoma Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.45% | — | 0.25% |
| 2024-Q4 | — | 0.57% | — | 0.22% |
| 2025-Q1 | — | 0.64% | — | 0.35% |
| 2025-Q2 | — | 0.84% | — | 0.34% |
| 2025-Q3 | — | 0.85% | — | 0.43% |
| 2025-Q4 | — | 0.89% | — | 0.52% |
| 2026-Q1 | 79.5/100 | 0.87% |
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Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 5.86% |
| Non-performing loans | 0.40% | 0.15%Leads |
| Net charge-offs | 0.04% | 0.01%Leads |
| Efficiency ratio | 66.99%Leads | 83.92% |
| Loan-to-deposit ratio | 98.18% | 95.09% |
| Asset growth (YoY) | 2.30% | 4.78%Leads |
| Deposit / share growth (YoY) | -0.89% | 1.71%Leads |
| Branches | 16 | 26 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 68.9/100 |
| 0.41% |
| 2026-Q2 | 78.7/100 | 0.99% | 69.1/100 | 0.50% |