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Needham Bank
Needham, MA · FDIC Certificate #26483 · Chartered 01/0
Total assets
$7.42B
Total deposits
$6.32B
Total equity
$810.63M
Net loans
$6.40B
Branches (offices)
21
Net income (YTD)
$36.27M
Rank: #211 of 4,213 U.S. banks by assets · #6 of 89 in Massachusetts. Assets changed 44.7% and deposits 47.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 9.14% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 10.93% |
| Tier 1 leverage ratio | 10.89% |
| Uninsured deposits (share of deposits) | 28.2% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | 0.47% |
| Loans to deposits | 101.3% |
| Real estate loans (share of loans) | 75.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $4.84B | 75.6% | |
| Commercial & industrial | $1.09B | 17.0% | |
| Consumer / individual | $285.13M | 4.5% | |
| Construction & development | $759.85M | 11.9% | |
| Agricultural | $194.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.03B | $2.65B | $10.94M | $328.47M |
| Jun 2023 | $4.03B | $3.27B | $14.98M | $356.89M |
| Jun 2024 | $4.66B | $3.92B | $15.63M | $592.87M |
| Jun 2025 | $5.13B | $4.28B | $24.93M | $633.72M |
| Jun 2026 | $7.42B | $6.32B | $36.27M | $810.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $6.01B | 16 |
| New Hampshire | $308.59M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $6.32B.
Similar-sized banks
Central Pacific Bank ($7.50B) · Bank Of India ($7.42B)
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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