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Middlesex Federal Savings, F.A.

Somerville, MA · Cert 28368 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29) · Middlesex Federal MHC

State savings bank · OCC · 4 branches

Q2 2026

$654.4MAssets
$533.5MLoans
$576.5MDeposits
$56.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 66% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 11 of 29).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 26 of 29).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.13%

Rank 24 of 29

Net Interest Margin

2.58%

Rank 18 of 29

Efficiency Ratio

93.09%

Rank 22 of 29

Equity / Assets

8.70%

Rank 22 of 29

Non-interest income vs. expense

$6.0M$21.1MINCOMEEXPENSE
Unfavorable gap of $15.1M · efficiency ratio beats 28% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 93.09%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.13%0.23%0.39%0.50%Beats 17%24 / 29
Return on Equity1.55%2.29%3.46%5.78%Beats 21%23 / 29
Net Interest Margin2.58%2.42%2.71%3.01%Beats 38%18 / 29
Efficiency Ratio93.09%78.96%84.14%93.09%Beats 28%22 / 29
Asset Quality
Nonperforming Loans / Loans0.04%0.03%0.13%0.43%Beats 66%11 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 34%21 / 29
Capital
Tier 1 Capital Ratio9.97%11.54%13.48%16.99%Beats 10%26 / 29
Total Risk-Based Capital Ratio9.97%11.54%14.44%17.87%Beats 10%26 / 29
Equity / Assets8.70%8.70%9.70%11.05%Beats 24%22 / 29
Liquidity & Funding
Loans / Deposits92.54%84.22%92.17%95.56%57th pctl12 / 28
Loans / Assets81.53%69.12%73.70%81.02%76th pctl7 / 29
Brokered Deposits / Depositsn/aNot reported for this institution