State directory · MA

Massachusetts Banks

Name: Massachusetts Banks - 91 FDIC-Insured Banks
Creator: Federal Deposit Insurance Corporation (FDIC)
License: https://creativecommons.org/publicdomain/zero/1.0/

Every FDIC-insured bank headquartered in Massachusetts, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial

91
FDIC banks: 66/100
Avg health score: $581.8B
Total assets: 1
Failures since 2000

Data updated July 2026

The state picture

Massachusetts's 91 FDIC banks hold $581.8B in assets and average 66/100 on health - 57% earn an A or B grade.

91
FDIC-insured banks: 57%
grade A or B (52 banks): $360.7B
largest - State Street Bank and Trust Company: 1
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: Massachusetts's average health score of 66/100 is below the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

14% of banks

43% of banks

34% of banks

9% of banks

0% of banks

Largest banks in Massachusetts

Top 10 Massachusetts banks by total assets

1

State Street Bank and Trust Company $360.7B

Boston, MA · Grade A
2

Eastern Bank $30.6B

Boston, MA · Grade B
3

Rockland Trust Company $24.9B

Rockland, MA · Grade A
4

Beacon Bank and Trust $23.2B

Brookline, MA · Grade B
5

Salem Five Cents Savings Bank $8.5B

Salem, MA · Grade A
6

Cambridge Savings Bank $6.9B

Cambridge, MA · Grade B
7

Needham Bank $6.9B

Needham, MA · Grade B
8

Middlesex Savings Bank $6.2B

Natick, MA · Grade B
9

The Cape Cod Five Cents Savings Bank $5.6B

Hyannis, MA · Grade B
10

Institution for Savings in Newburypor… $5.4B

Newburyport, MA · Grade B

Top 10 of 91 Massachusetts banks · FDIC Call Report Q4 2025.

How Massachusetts compares nationally

Massachusetts ranks #52 of 55 states and territories by average bank health score - better than 6% of them.

Massachusetts: 66/100

All 91 Massachusetts banks

Bank	City	Assets	Grade	Tier 1 %	ROA
State Street Bank and Trust Company	Boston	$360.7B	A	16.3%	0.83%
Eastern Bank	Boston	$30.6B	B	12.4%	0.39%
Rockland Trust Company	Rockland	$24.9B	A	14.5%	1.03%
Beacon Bank and Trust	Brookline	$23.2B	B	11.2%	0.63%
Salem Five Cents Savings Bank	Salem	$8.5B	A	13.1%	0.89%
Cambridge Savings Bank	Cambridge	$6.9B	B	12.8%	0.97%
Needham Bank	Needham	$6.9B	B	11.6%	0.90%
Middlesex Savings Bank	Natick	$6.2B	B	17.9%	0.54%
The Cape Cod Five Cents Savings Bank	Hyannis	$5.6B	B	17.5%	0.70%
Institution for Savings in Newburyport and Its Vicinity	Newburyport	$5.4B	B	15.8%	0.91%
Leader Bank, National Association	Arlington	$5.0B	A	20.8%	0.75%
Hingham Institution for Savings	Hingham	$4.5B	A	14.0%	1.21%
PeoplesBank	Holyoke	$4.5B	B	12.2%	0.55%
TruNorth Bank	Peabody	$3.2B	A	15.2%	1.31%
Northern Bank & Trust Company	Woburn	$3.2B	A	15.4%	1.64%
Bristol County Savings Bank	Taunton	$3.1B	B	17.8%	0.60%
BayCoast Bank	Swansea	$2.8B	C	10.7%	0.46%
Avidia Bank	Hudson	$2.8B	C	14.8%	0.18%
UniBank for Savings	Whitinsville	$2.7B	B	13.4%	0.81%
Westfield Bank	Westfield	$2.7B	B	12.5%	0.66%
Dedham Institution for Savings	Dedham	$2.6B	B	13.7%	0.71%
South Shore Bank	South Weymouth	$2.5B	B	14.1%	0.67%
Country Bank for Savings	Ware	$2.2B	B	14.8%	0.60%
The Village Bank	Newton	$2.0B	B	14.7%	0.45%
Florence Bank	Florence	$2.0B	B	12.1%	0.62%
Bankesb	Easthampton	$2.0B	C	11.5%	0.06%
Fall River Five Cents Savings Bank	Fall River	$1.9B	C	11.4%	0.30%
Cornerstone Bank	Spencer	$1.8B	C	12.4%	0.48%
The Lowell Five Cent Savings Bank	Tewksbury	$1.8B	A	16.6%	0.93%
North Easton Savings Bank	South Easton	$1.8B	B	13.0%	0.68%
Main Street Bank	Marlborough	$1.7B	B	16.3%	0.63%
Cape & Coast Bank	Yarmouth Port	$1.7B	D	9.5%	0.47%
East Cambridge Savings Bank	Cambridge	$1.6B	C	14.1%	0.35%
Everett Co-operative Bank	Everett	$1.6B	B	13.3%	0.50%
Newburyport Five Cents Savings Bank	Newburyport	$1.6B	D	11.4%	-0.15%
Bluestone Bank	Raynham	$1.6B	D	9.6%	0.43%
Bankhometown	Oxford	$1.6B	B	13.8%	1.14%
Greenfield Savings Bank	Greenfield	$1.5B	B	15.6%	0.51%
Watertown Savings Bank	Watertown	$1.4B	B	28.7%	0.62%
Fidelity Co-operative Bank	Leominster	$1.4B	D	8.9%	-0.51%
Webster Five Cents Savings Bank	Webster	$1.3B	B	12.1%	0.73%
Martha's Vineyard Bank	Edgartown	$1.3B	B	11.5%	0.66%
MutualOne Bank	Framingham	$1.3B	C	20.8%	-0.32%
Reading Co-operative Bank	Reading	$1.2B	C	10.3%	0.52%
Pentucket Bank	Haverhill	$1.1B	C	11.3%	0.35%
MountainOne Bank	North Adams	$1.1B	A	16.6%	1.17%
Cape Ann Savings Bank	Gloucester	$1.0B	A	27.2%	1.09%
Adams Community Bank	Adams	$1.0B	B	16.0%	0.50%
OneLocal Bank	Norwood	$1.0B	B	13.5%	0.92%
Winchester Savings Bank	Winchester	$1.0B	C	10.2%	0.29%
Coastal Heritage Bank	Weymouth	$949M	C	11.5%	0.32%
Winchester Co-operative Bank	Winchester	$907M	C	11.9%	0.47%
StonehamBank, A Co-operative Bank	Stoneham	$883M	B	12.4%	0.37%
The Savings Bank	Wakefield	$873M	D	9.7%	0.17%
Mechanics Cooperative Bank	Taunton	$862M	A	15.3%	1.25%
Rollstone Bank & Trust	Fitchburg	$848M	C	13.0%	-0.59%
Greenfield Co-operative Bank	Greenfield	$846M	B	12.6%	0.63%
Savers Co-operative Bank	Southbridge	$792M	D	11.0%	0.29%
The Bank of Canton	Canton	$762M	B	22.3%	0.85%
OneUnited Bank	Boston	$762M	C	10.9%	0.21%
Monson Savings Bank	Monson	$754M	C	9.9%	0.85%
Clinton Savings Bank	Clinton	$743M	C	13.9%	-0.71%
Eagle Bank	Everett	$688M	C	10.9%	0.38%
Middlesex Federal Savings, F.A.	Somerville	$638M	B	13.7%	0.69%
Walpole Co-operative Bank	Walpole	$637M	A	18.7%	0.76%
Haverhill Bank	Haverhill	$636M	B	13.7%	0.91%
Lee Bank	Lee	$601M	C	9.2%	0.69%
Bay State Savings Bank	Worcester	$572M	C	11.3%	0.37%
The Cooperative Bank	Roslindale	$543M	C	13.3%	0.12%
Milford Federal Bank	Milford	$541M	C	11.0%	0.33%
Dean Co-operative Bank	Franklin	$489M	C	13.3%	0.29%
Seamen's Bank	Provincetown	$468M	C	11.9%	0.52%
The National Grand Bank of Marblehead	Marblehead	$445M	B	10.2%	0.54%
North Brookfield Savings Bank	North Brookfield	$442M	C	10.7%	0.47%
The Pittsfield Co-operative Bank	Pittsfield	$432M	C	19.3%	-0.31%
Winter Hill Bank, FSB	Somerville	$421M	B	16.4%	0.14%
BankGloucester	Gloucester	$390M	C	12.2%	0.37%
New Valley Bank & Trust	Springfield	$339M	D	10.4%	-0.02%
Charles River Bank	Medway	$322M	C	12.1%	0.33%
Washington Savings Bank	Lowell	$306M	B	16.6%	0.14%
Marblehead Bank	Marblehead	$267M	B	16.7%	0.40%
Bank of Easton	North Easton	$245M	B	10.2%	0.59%
Commonwealth Co-operative Bank	Hyde Park	$205M	B	16.4%	0.26%
Wrentham Co-operative Bank	Wrentham	$188M	C	21.4%	-0.22%
42 North Private Bank	Canton	$178M	C	13.3%	-2.88%
Canton Co-operative Bank	Canton	$159M	B	22.6%	0.22%
Millbury National Bank	Millbury	$139M	C	13.6%	0.70%
Methuen Co-operative Bank	Methuen	$138M	D	9.3%	0.37%
Stoughton Co-operative Bank	Stoughton	$135M	C	9.6%	0.51%
North Cambridge Co-operative Bank	Cambridge	$88M	B	63.8%	0.72%
Boston Trust Walden Company	Boston	$88M	A	88.0%	40.67%

How to read the Massachusetts bank directory

This page lists every FDIC-insured bank with a primary regulatory address in Massachusetts. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 91 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across Massachusetts, 52 institutions (57%) sit in the A or B band, while 8 (9%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 1 banks headquartered in Massachusetts have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the Massachusetts directory

Three ways to put this state view to work.

Open the largest or highest-graded Massachusetts banks to see the full four-pillar breakdown. Top bank profile
Compare the safest and highest-risk banks nationwide before moving funds. Safest banks
Confirm your deposit insurance coverage - $250,000 per depositor, per category. FDIC insurance explained

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. 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.

Massachusetts Banks

Health grade distribution

Largest banks in Massachusetts