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Main Street Bank
Marlborough, MA · FDIC Certificate #90235 · Chartered 04/0
Total assets
$1.67B
Total deposits
$1.39B
Total equity
$183.72M
Net loans
$1.24B
Branches (offices)
6
Net income (YTD)
$5.17M
Rank: #678 of 4,213 U.S. banks by assets · #32 of 89 in Massachusetts. Assets changed -1.4% and deposits -2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 5.73% |
| Net interest margin (YTD) | 3.01% |
| Equity to assets | 11.03% |
| Tier 1 leverage ratio | 12.04% |
| Uninsured deposits (share of deposits) | 26.3% |
| Noncurrent loans (share of loans) | 1.69% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 89.3% |
| Real estate loans (share of loans) | 92.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.16B | 92.9% | |
| Commercial & industrial | $92.19M | 7.4% | |
| Consumer / individual | $6.92M | 0.6% | |
| Construction & development | $72.00M | 5.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.37B | $1.19B | $4.05M | $138.09M |
| Jun 2023 | $1.61B | $1.28B | $3.11M | $141.19M |
| Jun 2024 | $1.63B | $1.36B | $2.79M | $149.18M |
| Jun 2025 | $1.69B | $1.43B | $5.44M | $159.97M |
| Jun 2026 | $1.67B | $1.39B | $5.17M | $183.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $1.39B | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.39B.
Similar-sized banks
One Bank Of Tennessee ($1.67B) · East Cambridge Savings Bank ($1.66B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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