FDIC Cert #2608 · Marblehead, Massachusetts · Est. 1831

The National Grand Bank of Marblehead - FDIC Bank Health Profile

A community-scale look at The National Grand Bank of Marblehead's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$445M
Total assets
B
Health grade · Good
0.54%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

The verdict

The National Grand Bank of Marblehead earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.22% Tier 1, 0.54% ROA, 74% efficiency ratio.

#1,936
largest of 4,313 FDIC banks by assets
55th
percentile by asset size, nationally
10.22%
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 2608 · MA B · 66/100

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

  • GRADE-B B (66/100)
  • LOWER-Q #3413/4307
  • PHOTO-FINISH The First National B… · KY
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.54% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: The First National Bank of Brooksville, 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 The National Grand Bank of Marblehead

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Buffalo · KY · near66/100Farmers Bank and Tru… · KY ·…66/100MidSouth Bank · AL · near66/100The First National B… · KY ·…66/100The National Grand B… · MA ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The National Grand Bank of Marblehead · July 2026

Plate reading for The National Grand Bank of Marblehead where failures stay rare

The National Grand Bank of Marblehead (FDIC Cert #2608) carries a PlainBankData health grade of B at 66/100, 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 #3,413 of 4,307. Tier 1 capital prints at 10.22%, 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 0.54%. Balance-sheet scale is $445M, 1,936th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Brooksville (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 The National Grand Bank of Marblehead

Only 1 FAILURE resolution in Massachusetts since 2000

The National Grand Bank of Marblehead 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 The National Grand Bank of Marblehead's 66/100 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 avg77/10066/100
The National Grand Bank of Marblehead's composite health score
Tier 1 Capital Ratio (10.22%) 28/40
Return on Assets (ROA) (0.54%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (74.05%) 4/15

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

Balance sheet at a glance

Total Assets

$445M

Total balance-sheet footings

Total Deposits

$370M

Customer-funded liabilities

Net Loans

$323M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.82% 10.22% 11.62%
Basel III capital ratios - The National Grand Bank of Marblehead

Where The National Grand Bank of Marblehead ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The National Grand Bank of Marblehead's score of 66/100 falls in the highlighted band.

The National Grand Bank of Marblehead: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 21st percentile higher than 21% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The National Grand Bank of Marblehead 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

The National Grand Bank of Marblehead'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). The National Grand Bank of Marblehead's $445M falls in the highlighted band.

Safety metrics: The National Grand Bank of Marblehead

Tier 1 capital ratio
Well-capitalized 10%

10.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.22%
Texas Ratio
0.00%
Equity Capital
$41M

What these ratios mean →

Profitability metrics: The National Grand Bank of Marblehead

Return on Assets (ROA)
17th percentile nationally
0.54%
Return on Equity (ROE)
6.05%
Efficiency Ratio
74.05%

What these mean →

Income & expense at The National Grand Bank of Marblehead

$18M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The National Grand Bank of Marblehead 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 The National Grand Bank of Marblehead 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 ($445M here), outside Massachusetts so the neighborhood is not state containment.

Bank of the Plains $446M · KS Integrity Bank & Trust $445M · CO Arundel Federal Savings Bank $445M · MD The City National Bank of Colorado Ci… $445M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The National Grand Bank of Marblehead (FDIC Cert #2608) - 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.

The National Grand Bank of Marblehead 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%