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Middlesex Federal Savings, F.A.
Somerville, MA · FDIC Certificate #28368 · Chartered 01/0
Total assets
$654.37M
Total deposits
$576.50M
Total equity
$56.90M
Net loans
$527.13M
Branches (offices)
4
Net income (YTD)
$440.00K
Rank: #1,446 of 4,213 U.S. banks by assets · #61 of 89 in Massachusetts. Assets changed -1.1% and deposits -2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.14% |
| Return on equity | 1.55% |
| Net interest margin (YTD) | 2.72% |
| Equity to assets | 8.70% |
| Tier 1 leverage ratio | 9.97% |
| Uninsured deposits (share of deposits) | 14.0% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 91.4% |
| Real estate loans (share of loans) | 98.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $521.41M | 98.9% | |
| Commercial & industrial | $12.11M | 2.3% | |
| Consumer / individual | $3.00K | 0.0% | |
| Construction & development | $52.51M | 10.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $571.39M | $526.78M | $1.14M | $38.00M |
| Jun 2023 | $650.17M | $604.91M | $2.23M | $40.79M |
| Jun 2024 | $634.37M | $584.71M | $2.01M | $45.88M |
| Jun 2025 | $661.37M | $589.81M | $2.29M | $53.22M |
| Jun 2026 | $654.37M | $576.50M | $440.00K | $56.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $576.50M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $576.50M.
Similar-sized banks
Worthington Bank ($655.44M) · Midstates Bank, National Association ($653.87M)
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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