Marblehead Bank
Marblehead, MA · Cert 90234 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)
State charter, Fed member · FED · 3 branches
Q2 2026
$262.5MAssets
$212.7MLoans
$229.4MDeposits
$26.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 97% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 1 of 29).
- Widest gap: net charge-offs / loans trails 76% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 23 of 29).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.44%
Rank 10 of 29
Net Interest Margin
3.73%
Rank 1 of 29
Efficiency Ratio
86.28%
Rank 18 of 29
Equity / Assets
10.07%
Rank 13 of 29
Non-interest income vs. expense
Unfavorable gap of $8.4M · efficiency ratio beats 41% of banks under $1B 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 | 0.44% | 0.23% | 0.39% | 0.50% | Beats 66% | 10 / 29 | | |
| Return on Equity | 4.42% | 2.29% | 3.46% | 5.78% | Beats 55% | 13 / 29 | | |
| Net Interest Margin | 3.73% | 2.42% | 2.71% | 3.01% | Beats 97% | 1 / 29 | | |
| Efficiency Ratio | 86.28% | 78.96% | 84.14% | 93.09% | Beats 41% | 18 / 29 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.03% | 0.13% | 0.43% | Beats 34% | 20 / 29 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 24% | 23 / 29 | | |
| Capital |
| Tier 1 Capital Ratio | 16.99% | 11.54% | 13.48% | 16.99% | Beats 72% | 8 / 29 | | |
| Total Risk-Based Capital Ratio | 17.81% | 11.54% | 14.44% | 17.87% | Beats 69% | 9 / 29 | | |
| Equity / Assets | 10.07% | 8.70% | 9.70% | 11.05% | Beats 55% | 13 / 29 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.73% | 84.22% | 92.17% | 95.56% | 61st pctl | 11 / 28 | | |
| Loans / Assets | 81.02% | 69.12% | 73.70% | 81.02% | 72nd pctl | 8 / 29 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |