Middlesex Savings Bank
Total assets
$6.15B
▲ +0.8% YoY
Deposits
$5.18B
▼ -1.1% YoY
Loans
$3.75B
▲ +6.5% YoY
Offices
35
MIDDLESEX BCORP MHC
ROA (annualized)
0.72%
peers 1.26%
ROE (annualized)
5.57%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Middlesex Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +5.5% | -4.7 pts |
| Deposit growth (YoY) | -1.1% | +5.1% | -6.2 pts |
| Loan growth (YoY) | +6.5% | +5.9% | +0.6 pts |
| ROA | 0.72% | 1.26% | -0.5 pts |
| ROE | 5.6% | 12.2% | -6.6 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
Profile
- Established
- 1835
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MIDDLESEX BCORP MHC
- Specialization
- Commercial Lending Specialization
- Address
- 6 Main St, Natick, MA, 01760
- County
- Middlesex
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 35
- FDIC cert #
- 90183
- RSSD ID
- 888002
- 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 | $6.15B | $5.18B | $3.75B | $808.0M | $22.2M | 0.72% | 2.72% | 0.20% |
| Q1 2026 | $6.15B | $5.21B | $3.67B | $794.3M | $9.0M | 0.58% | 2.63% | 0.12% |
| Q4 2025 | $6.16B | $5.23B | $3.63B | $791.4M | $33.3M | 0.54% | 2.36% | 0.12% |
| Q3 2025 | $6.11B | $5.22B | $3.54B | $763.2M | $24.1M | 0.53% | 2.29% | 0.12% |
| Q2 2025 | $6.10B | $5.23B | $3.53B | $738.2M | $11.4M | 0.37% | 2.20% | 0.11% |
| Q1 2025 | $6.14B | $5.28B | $3.53B | $725.9M | $4.3M | 0.28% | 2.09% | 0.04% |
| Q4 2024 | $6.08B | $5.23B | $3.58B | $706.2M | $12.5M | 0.20% | 1.95% | 0.05% |
| Q3 2024 | $5.98B | $5.15B | $3.63B | $710.3M | $15.8M | 0.34% | 1.90% | 0.06% |
Loan mix (Q2 2026): real estate $3.53B · commercial $194.9M · consumer $31.3M · securities $1.92B
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Middlesex Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.26% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 12.2% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.70% | 7th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 59.0% | 75th | |
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 | Middlesex Savings Bank | 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 | Middlesex Savings Bank | 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 | Middlesex Savings Bank | 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 | Middlesex Savings Bank | 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.
Similar banks
- The Cape Cod Five Cents Savings BankHyannis, MA · $5.62B
- Institution for Savings in Newburyport and Its VicinityNewburyport, MA · $5.56B
- Cambridge Savings BankCambridge, MA · $6.98B
- Leader Bank, National AssociationArlington, MA · $5.28B
- Needham BankNeedham, MA · $7.42B
- PeoplesBankHolyoke, MA · $4.62B
Selling to Middlesex Savings Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.