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Community Reinvestment Act

Machias Savings Bank is pleased to make our Community Reinvestment Act (CRA) Public File available for public inspection on our webpage. As part of the CRA, the below information must be updated as of April 1st of each year. Should you desire hard copies of any of the information listed below you may contact our CRA officer directly at 207-255-9277 or stop by any of our branch locations.

Our CRA Officer

Krystle Currier

We welcome your input regarding our CRA performance. Any comments or questions regarding CRA may be addressed to:

Krystle Currier – CRA Officer
Machias Savings Bank
PO Box 318
Machias, ME 04654

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Branch Information


Branch Listings with Census Tracts

Learn More about our Branch Listings with Census Tracts

Branch Locations with Hours

Learn More about our locations

Branches Opened and/or Closed

Learn More about our opened and closed branches

Assessment Area Maps


Non-MSA Assessment Area Map

Learn More about the Non-MSA Assessment Area Map

Bangor MSA Assessment Area Map

Learn More about the Bangor MSA Assessment Area Map

Portland MSA Assessment Area Map

Learn More about the Portland MSA Assessment Area Map

Products and Services

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Small Business Banking

Small Business About our Small Business banking products

Reduction in Consumer Lending Product Set

Learn More about changes in our consumer lending products

CRA/HMDA Disclosures


2019 CRA Disclosures

Learn More About our 2019 CRA disclosures

2020 CRA Disclosures

Learn More About our 2020 CRA disclosure

2021 CRA Disclosures

Learn More About our 2021 CRA disclosure

2022 CRA Disclosures

Learn More About our 2022 CRA Disclosure

Statement of Intent / CRA Statement

Machias Savings Bank is committed to meeting the financial needs of the communities it serves, including all low and moderate income areas within those communities.

Learn More About our statement of intent

CRA Performance Evaluation - 2021

This document is an evaluation of this institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation of the institution.

Learn More About the 2021 CRA Performance Evaluation

Machias Savings Bank Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.
These data are available online at the Consumer Financial Protection Bureau’s website

HMDA data for many other financial institutions are also available at this Web site.


Machias Savings Bank Home Mortgage Disclosure Act Notice

Learn More About our Home Mortgage disclosure act notice
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General Service Fee

Learn More About our General Service Fees

Loan to Deposit Ratio

Learn More About our loan to deposit ratio

Public Comments Section

There have been no public comments directly pertaining to the bank’s CRA performance  within the last two years.

Important Notice

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