STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
222
2010–2026
Total Volume
$86M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
222 total segments
Machias Savings Bank has a strong focus on 504 loans, with 32% of their SBA deals in this category, significantly above the national average of 18%. This indicates a solid capability for financing real estate and expansion projects, making them a good option for borrowers looking for these types of loans.
The average spread for 7(a) loans at Machias Savings Bank is P+1.75%, which is lower than the national median of P+2.75%. This competitive pricing can lead to significant savings for borrowers, especially for larger loan amounts.
Despite their strong 504 presence, Machias Savings Bank has seen a dramatic decline in their lending activity, with a 71% decrease in deals year-over-year. This trend may indicate a tightening of their lending criteria, making it potentially more challenging for new borrowers to secure loans.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 70 504 loans, which use fixed SBA debenture rates.
States where Machias Savings Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Real Estate
Real Estate
Physician & Dental Offices
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Transportation & Warehousing
Transportation & Warehousing
+ 7 more
All recorded SBA lending activity for Machias Savings Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Maine · Specialty Trade Contractors · Under $150K | 7(a) | 9 | P+2.25% | $48K | Q4 2021 |
| Maine · Hotels & Accommodation · $150K – $350K | 504 | 7 | — | $271K | Q2 2022 |
| Maine · Arts, Entertainment & Recreation · Under $150K | 7(a) | 7 | P+1.75% | $65K | Q3 2025 |
| Maine · Restaurants & Food Service · Under $150K | 7(a) | 7 | P+1.50% | $75K | Q2 2024 |
| Maine · Hotels & Accommodation · $500K – $1M | 504 | 6 | — | $638K | Q1 2025 |
| Maine · Wholesale Trade · Under $150K | 7(a) | 6 | P+2.25% | $58K | Q4 2024 |
| Maine · Hotels & Accommodation · $350K – $500K | 504 | 5 | — | $418K | Q1 2022 |
| Maine · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+1.25% | $68K | Q1 2024 |
| Maine · Hotels & Accommodation · $1M – $2M | 504 | 4 | — | $1.3M | Q2 2025 |
| Maine · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+2.75% | $58K | Q4 2010 |
| Maine · Hotels & Accommodation · $150K – $350K | 7(a) | 4 | P+2.25% | $311K | Q4 2014 |
| Maine · Real Estate · $150K – $350K | 504 | 4 | — | $225K | Q4 2023 |
| Maine · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+1.13% | $234K | Q3 2024 |
| Maine · Restaurants & Food Service · $150K – $350K | 504 | 4 | — | $283K | Q3 2025 |
| Maine · Manufacturing · $150K – $350K | 7(a) | 3 | P+0.75% | $253K | Q3 2021 |
| Maine · Other Health Practitioners · Under $150K | 7(a) | 3 | P+1.00% | $81K | Q1 2024 |
| Maine · Agriculture & Forestry · $150K – $350K | 7(a) | 3 | P+2.75% | $225K | Q2 2014 |
| Maine · Other Repair & Services · Under $150K | 7(a) | 3 | P+1.00% | $87K | Q1 2024 |
| Maine · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+2.64% | $76K | Q1 2019 |
| Maine · General Merchandise · Under $150K | 7(a) | 3 | P+2.75% | $82K | Q4 2011 |
| Maine · Building Construction · Under $150K | 7(a) | 3 | P+2.25% | $87K | Q4 2020 |
| Maine · Engineering & Architecture · Under $150K | 7(a) | 3 | P+2.25% | $83K | Q1 2016 |
| Maine · Real Estate · $1M – $2M | 7(a) | 3 | P+1.25% | $1.2M | Q1 2022 |
| Maine · Other Professional Services · Under $150K | 7(a) | 3 | P+1.75% | $92K | Q2 2022 |
| Maine · Real Estate · Under $150K | 7(a) | 3 | P+2.00% | $108K | Q2 2021 |
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