FDIC Cert #28368 · Somerville, Massachusetts · Est. 1890

Middlesex Federal Savings, F.A. - FDIC Bank Health Profile

A community-scale look at Middlesex Federal Savings, F.A.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$638M
Total assets
B
Health grade · Good
0.69%
Return on assets
13.7%
Tier 1 capital

Data updated July 2026

The verdict

Middlesex Federal Savings, F.A. earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.73% Tier 1, 0.69% ROA, 74% efficiency ratio.

#1,494
largest of 4,313 FDIC banks by assets
65th
percentile by asset size, nationally
13.73%
Tier 1 ratio - above the 10% well-capitalized line
24th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 28368 · MA B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2758/4307
  • PHOTO-FINISH First Bank Richmond · IN
  • TIER1-WELL 13.7% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.69% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: First Bank Richmond, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Middlesex Federal Savings, F.A.

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Armor Bank · AR · near73/100First Bank Richmond · IN · n…73/100Middlesex Federal Sa… · MA ·…73/100North Shore Bank · WI · near73/100Northwest Bank · PA · near73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Middlesex Federal Savings, F.A. · July 2026

Plate reading for Middlesex Federal Savings, F.A. where failures stay rare

Middlesex Federal Savings, F.A. (FDIC Cert #28368) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,758 of 4,307. Tier 1 capital prints at 13.73%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.69%. Balance-sheet scale is $638M, 1,494th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Bank Richmond (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Middlesex Federal Savings, F.A.

Only 1 FAILURE resolution in Massachusetts since 2000

Middlesex Federal Savings, F.A. is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How Middlesex Federal Savings, F.A.'s 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
Middlesex Federal Savings, F.A.'s composite health score
Tier 1 Capital Ratio (13.73%) 35/40
Return on Assets (ROA) (0.69%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (73.67%) 4/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$638M

Total balance-sheet footings

Total Deposits

$576M

Customer-funded liabilities

Net Loans

$511M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.33% 13.73% 15.13%
Basel III capital ratios - Middlesex Federal Savings, F.A.

Where Middlesex Federal Savings, F.A. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Middlesex Federal Savings, F.A.'s score of 73/100 falls in the highlighted band.

Middlesex Federal Savings, F.A.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 36th percentile higher than 36% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Middlesex Federal Savings, F.A. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Middlesex Federal Savings, F.A.'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). Middlesex Federal Savings, F.A.'s $638M falls in the highlighted band.

Safety metrics: Middlesex Federal Savings, F.A.

Tier 1 capital ratio
Well-capitalized 10%

13.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.73%
Texas Ratio
0.00%
Equity Capital
$57M

What these ratios mean →

Profitability metrics: Middlesex Federal Savings, F.A.

Return on Assets (ROA)
24th percentile nationally
0.69%
Return on Equity (ROE)
8.36%
Efficiency Ratio
73.67%

What these mean →

Income & expense at Middlesex Federal Savings, F.A.

$30M
Interest Income
$2M
Non-Interest Income
$19M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Middlesex Federal Savings, F.A. reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Middlesex Federal Savings, F.A. on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($638M here), outside Massachusetts so the neighborhood is not state containment.

Homeland Federal Savings Bank $638M · LA Community Bank & Trust, Waco, Texas $638M · TX Apple River State Bank $639M · IL First National Bank Colorado $637M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Middlesex Federal Savings, F.A. (FDIC Cert #28368) - 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.

Middlesex Federal Savings, F.A. Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
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%