Total Assets
$5.0B
Total balance-sheet footings
FDIC Cert #57134 · Arlington, Massachusetts · Est. 2002
Leader Bank, National Association - FDIC Bank Health Profile
A community-scale look at Leader Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $5.0B
- Total assets
- A
- Health grade · Excellent
- 0.75%
- Return on assets
- 20.8%
- Tier 1 capital
Data updated July 2026
The verdict
Leader Bank, National Association earns a PlainBankData health grade of A (82/100), with well-capitalized at 20.84% Tier 1, 0.75% ROA, 62% efficiency ratio.
- #289
- largest of 4,313 FDIC banks by assets
- 93rd
- percentile by asset size, nationally
- 20.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 27th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Leader Bank, National Association's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Leader Bank, National Association's composite health score
Tier 1 Capital Ratio (20.84%) 40/40
Return on Assets (ROA) (0.75%) 14/25
Texas Ratio (0.23%) 20/20
Efficiency Ratio (61.53%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.9B
Customer-funded liabilities
Net Loans
$4.1B
Outstanding loan book
Net Income
$37M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Leader Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Leader Bank, National Association's score of 82/100 falls in the highlighted band.
Leader Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Leader Bank, National Association's $5.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
20.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
20.84%
Texas Ratio
0.23%
Equity Capital
$539M
Profitability metrics
Return on Assets (ROA)
27th percentile nationally
0.75%
Return on Equity (ROE)
7.11%
Efficiency Ratio
61.53%
What the numbers say about Leader Bank, National Association
Leader Bank, National Association is an FDIC-insured institution (Certificate #57134) headquartered in Arlington, Massachusetts, established in 2002. It holds $5.0B in total assets - 289th of 4,313 FDIC-insured banks, $3.9B in customer deposits, and $4.1B in net loans. Its capital position: a Tier 1 ratio of 20.84%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.23% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Leader Bank, National Association sits in the top decile of all FDIC-insured institutions by asset size (289th of 4,313), and within Massachusetts it ranks 11th of 91 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Hingham Institution for Savings, at $4.5B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$239M
Interest Income
$45M
Non-Interest Income
$94M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Leader Bank, National Association reports a Texas Ratio of 0.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Massachusetts by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Leader Bank, National Association (FDIC Cert #57134) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| State Street Bank and Trust CompanyBoston | $360.7B | A | 0.83% |
| Eastern BankBoston | $30.6B | B | 0.39% |
| Rockland Trust CompanyRockland | $24.9B | A | 1.03% |
| Beacon Bank and TrustBrookline | $23.2B | B | 0.63% |
| Salem Five Cents Savings BankSalem | $8.5B | A | 0.89% |
| Cambridge Savings BankCambridge | $6.9B | B | 0.97% |
| Needham BankNeedham | $6.9B | B | 0.90% |
| Middlesex Savings BankNatick | $6.2B | B | 0.54% |
Frequently asked questions
What is Leader Bank, National Association's health grade?▼
Leader Bank, National Association receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Leader Bank, National Association?▼
Leader Bank, National Association holds $5.0B in total assets and $3.9B in deposits, ranking 289th of 4,313 FDIC-insured banks by asset size. It is headquartered in Arlington, Massachusetts.
Is my money safe at Leader Bank, National Association?▼
Yes, deposits at Leader Bank, National Association (Certificate #57134) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Leader Bank, National Association's Tier 1 Capital Ratio?▼
Leader Bank, National Association has a Tier 1 Capital Ratio of 20.84%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Leader Bank, National Association?▼
Leader Bank, National Association has a Texas Ratio of 0.23%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Leader Bank, National Association?▼
Leader Bank, National Association has an Efficiency Ratio of 61.53%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Leader Bank, National Association's profile as a depositor or analyst.
- Leader Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Leader Bank, National Association against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.