Middlesex Savings Bank
Natick, MA · Cert 90183 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Middlesex Bcorp MHC
State charter, non-member · FDIC · 34 branches
Q2 2026
$6.1BAssets
$3.8BLoans
$5.2BDeposits
$808.0MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 81% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 5 of 27).
- Widest gap: return on equity trails 78% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 21 of 27).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.72%
Rank 18 of 27
Net Interest Margin
2.55%
Rank 18 of 27
Efficiency Ratio
68.19%
Rank 14 of 27
Equity / Assets
13.14%
Rank 7 of 27
Non-interest income vs. expense
Unfavorable gap of $101.1M · efficiency ratio beats 52% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.48% | 0.78% | 0.99% | Beats 33% | 18 / 27 | | |
| Return on Equity | 5.50% | 5.50% | 7.06% | 8.20% | Beats 22% | 21 / 27 | | |
| Net Interest Margin | 2.55% | 2.49% | 2.70% | 3.34% | Beats 33% | 18 / 27 | | |
| Efficiency Ratio | 68.19% | 59.27% | 68.19% | 75.85% | Beats 52% | 14 / 27 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.20% | 0.58% | 1.15% | Beats 63% | 11 / 27 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 56% | 13 / 27 | | |
| Capital |
| Tier 1 Capital Ratio | 18.24% | 13.21% | 14.69% | 16.81% | Beats 81% | 5 / 27 | | |
| Total Risk-Based Capital Ratio | 19.01% | 13.71% | 15.43% | 18.07% | Beats 81% | 5 / 27 | | |
| Equity / Assets | 13.14% | 9.62% | 11.14% | 13.14% | Beats 74% | 7 / 27 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.19% | 91.42% | 101.19% | 107.11% | 4th pctl | 26 / 27 | | |
| Loans / Assets | 61.61% | 75.31% | 80.56% | 83.39% | 4th pctl | 26 / 27 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |