FDIC Cert #90183 · Natick, Massachusetts · Est. 1835

Middlesex Savings Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$6.2B
Total assets
B
Health grade · Good
0.54%
Return on assets
17.9%
Tier 1 capital

Data updated July 2026

The verdict

Middlesex Savings Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 17.89% Tier 1, 0.54% ROA, 74% efficiency ratio.

#247
largest of 4,313 FDIC banks by assets
94th
percentile by asset size, nationally
17.89%
Tier 1 ratio - above the 10% well-capitalized line
17th
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.

FDIC Call Report plate

Cert 90183 · MA B · 78/100

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

  • GRADE-B B (78/100)
  • MID-PACK #2147/4307
  • PHOTO-FINISH Evermore Bank · FL
  • TIER1-WELL 17.9% Tier 1
  • TEXAS-CLEAN 0.9% Texas
  • ROA-THIN 0.54% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Evermore Bank, FL (±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 Savings Bank

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

Morgan Stanley Bank,… · UT ·…100/100Evermore Bank · FL · near78/100Mega Bank · CA · near78/100Middlesex Savings Bank · MA …78/100Solera National Bank · CO · …78/100Think Mutual Bank · MN · near78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Middlesex Savings Bank · July 2026

Plate reading for Middlesex Savings Bank where failures stay rare

Middlesex Savings Bank (FDIC Cert #90183) carries a PlainBankData health grade of B at 78/100, 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 #2,147 of 4,307. Tier 1 capital prints at 17.89%, clearing the 10% well-capitalized line. The Texas Ratio is 0.87%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.54%. Balance-sheet scale is $6.2B, 247th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Evermore Bank (FL), 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 Savings Bank

Only 1 FAILURE resolution in Massachusetts since 2000

Middlesex Savings Bank 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 Savings Bank's 78/100 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 avg77/10078/100
Middlesex Savings Bank's composite health score
Tier 1 Capital Ratio (17.89%) 40/40
Return on Assets (ROA) (0.54%) 14/25
Texas Ratio (0.87%) 20/20
Efficiency Ratio (74.47%) 4/15

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

Balance sheet at a glance

Total Assets

$6.2B

Total balance-sheet footings

Total Deposits

$5.2B

Customer-funded liabilities

Net Loans

$3.6B

Outstanding loan book

Net Income

$33M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.49% 17.89% 19.29%
Basel III capital ratios - Middlesex Savings Bank

Where Middlesex Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Middlesex Savings Bank's score of 78/100 falls in the highlighted band.

Middlesex Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 Top 50% higher than 50% 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 Savings Bank 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 Savings Bank'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 Savings Bank's $6.2B falls in the highlighted band.

Safety metrics: Middlesex Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

17.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.89%
Texas Ratio
0.87%
Equity Capital
$791M

What these ratios mean →

Profitability metrics: Middlesex Savings Bank

Return on Assets (ROA)
17th percentile nationally
0.54%
Return on Equity (ROE)
4.47%
Efficiency Ratio
74.47%

What these mean →

Income & expense at Middlesex Savings Bank

$256M
Interest Income
$20M
Non-Interest Income
$116M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Middlesex Savings Bank reports a Texas Ratio of 0.87% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.87% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Middlesex Savings Bank 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 ($6.2B here), outside Massachusetts so the neighborhood is not state containment.

First International Bank & Trust $6.2B · ND Hinsdale Bank & Trust Company $6.1B · IL Mid Penn Bank $6.1B · PA Five Star Bank $6.2B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Middlesex Savings Bank (FDIC Cert #90183) - 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 Savings Bank 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%
The Cape Cod Five Cents Savings BankHyannis $5.6B B 0.70%