FDIC Cert #26555 · Norwood, Massachusetts · Est. 1889

OneLocal Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$1.0B
Total assets
B
Health grade · Good
0.92%
Return on assets
13.5%
Tier 1 capital

Data updated July 2026

The verdict

OneLocal Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.49% Tier 1, 0.92% ROA, 60% efficiency ratio.

#1,015
largest of 4,313 FDIC banks by assets
77th
percentile by asset size, nationally
13.49%
Tier 1 ratio - above the 10% well-capitalized line
37th
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 26555 · MA B · 77/100

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

  • GRADE-B B (77/100)
  • MID-PACK #2323/4307
  • PHOTO-FINISH River City Bank, Inc. · KY
  • TIER1-WELL 13.5% Tier 1
  • TEXAS-CLEAN 0.5% Texas
  • ROA-PAR 0.92% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: River City Bank, Inc., KY (±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 OneLocal Bank

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

Morgan Stanley Bank,… · UT ·…100/100Flint Hills Bank · KS · near77/100InFirst Bank · PA · near77/100OneLocal Bank · MA · this ba…77/100Peoples Bank of Deer… · MT ·…77/100River City Bank, Inc. · KY ·…77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around OneLocal Bank · July 2026

Plate reading for OneLocal Bank where failures stay rare

OneLocal Bank (FDIC Cert #26555) carries a PlainBankData health grade of B at 77/100, 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 #2,323 of 4,307. Tier 1 capital prints at 13.49%, clearing the 10% well-capitalized line. The Texas Ratio is 0.46%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.92%. Balance-sheet scale is $1.0B, 1,015th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is River City Bank, Inc. (KY), 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 OneLocal Bank

Only 1 FAILURE resolution in Massachusetts since 2000

OneLocal 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 OneLocal Bank's 77/100 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 avg77/10077/100
OneLocal Bank's composite health score
Tier 1 Capital Ratio (13.49%) 35/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (0.46%) 20/20
Efficiency Ratio (60.04%) 8/15

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

Balance sheet at a glance

Total Assets

$1.0B

Total balance-sheet footings

Total Deposits

$831M

Customer-funded liabilities

Net Loans

$881M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.09% 13.49% 14.89%
Basel III capital ratios - OneLocal Bank

Where OneLocal Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. OneLocal Bank's score of 77/100 falls in the highlighted band.

OneLocal Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 46th percentile higher than 46% 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. OneLocal 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

OneLocal 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). OneLocal Bank's $1.0B falls in the highlighted band.

Safety metrics: OneLocal Bank

Tier 1 capital ratio
Well-capitalized 10%

13.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.49%
Texas Ratio
0.46%
Equity Capital
$142M

What these ratios mean →

Profitability metrics: OneLocal Bank

Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
6.83%
Efficiency Ratio
60.04%

What these mean →

Income & expense at OneLocal Bank

$56M
Interest Income
$2M
Non-Interest Income
$22M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. OneLocal Bank reports a Texas Ratio of 0.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View OneLocal 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 ($1.0B here), outside Massachusetts so the neighborhood is not state containment.

Cornerstone National Bank & Trust Com… $1.0B · IL Bank of the James $1.0B · VA Security Financial Bank $1.0B · WI The Port Washington State Bank $1.0B · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) OneLocal Bank (FDIC Cert #26555) - 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.

OneLocal 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%
Middlesex Savings BankNatick $6.2B B 0.54%