Middlesex Federal Savings, F.A.
Total assets
$654.4M
▼ -1.1% YoY
Deposits
$576.5M
▼ -2.3% YoY
Loans
$527.1M
▲ +0.1% YoY
Offices
4
MIDDLESEX FEDERAL MHC
ROA (annualized)
0.14%
peers 1.28%
ROE (annualized)
1.55%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.9% | -6.0 pts |
| Deposit growth (YoY) | -2.3% | +4.3% | -6.6 pts |
| Loan growth (YoY) | +0.1% | +5.3% | -5.3 pts |
| ROA | 0.14% | 1.28% | -1.1 pts |
| ROE | 1.6% | 12.4% | -10.9 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
Profile
- Established
- 1890
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- MIDDLESEX FEDERAL MHC
- Specialization
- Commercial Lending Specialization
- Address
- 1 College Ave, Somerville, MA, 02144
- County
- Middlesex
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 4
- FDIC cert #
- 28368
- RSSD ID
- 87579
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $654.4M | $576.5M | $527.1M | $56.9M | $440K | 0.14% | 2.72% | 0.04% |
| Q1 2026 | $641.7M | $575.6M | $528.2M | $56.6M | $159K | 0.10% | 2.67% | 0.00% |
| Q4 2025 | $638.0M | $576.3M | $510.9M | $56.5M | $4.5M | 0.69% | 4.00% | 0.00% |
| Q3 2025 | $653.0M | $579.8M | $522.0M | $55.6M | $4.0M | 0.82% | 3.94% | 0.00% |
| Q2 2025 | $661.4M | $589.8M | $526.9M | $53.2M | $2.3M | 0.71% | 3.86% | 0.08% |
| Q1 2025 | $644.9M | $585.1M | $506.0M | $51.6M | $1.2M | 0.75% | 3.86% | 0.04% |
| Q4 2024 | $631.3M | $575.4M | $495.6M | $49.4M | $4.3M | 0.67% | 3.75% | 0.05% |
| Q3 2024 | $646.5M | $582.4M | $499.0M | $49.0M | $3.2M | 0.66% | 3.71% | 0.21% |
Loan mix (Q2 2026): real estate $521.4M · commercial $12.1M · consumer $3K · securities $65.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 1.28% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 12.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.89% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.1% | 61.2% | 97th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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