Side-by-side · Q2 2026 data
Kennebec Savings Bank vs Machias Savings Bank
Metric by metric
| Measure | Kennebec Savings Bank | Machias Savings Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 90 (stronger) | 71 |
| Loan quality | 85 | 87 (stronger) |
| Earnings | 75 (stronger) | 59 |
| Funding & liquidity | 43 | 61 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 88th | 70th |
| Total assets | $1.9B | $2.7B |
| Deposits / shares | $1.4B | $2.3B |
| Capital ratio | 13.96% (stronger) | 12.12% |
| Problem loans | 0.46% | 0.40% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 1.37% (stronger) | 0.99% |
| Loans ÷ deposits | 110.8% | 98.2% (stronger) |
| Uninsured deposits | 21.9% | 16.4% (stronger) |
| Offices | 7 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.7% |
Kennebec Savings Bank has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Kennebec Savings Bank leads on 4 and Machias Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.