TellerScore

Leader Bank, National Association is a national bank headquartered in Arlington, Massachusetts, in business for about 24 years. At the end of Q2 2026 it reported $5.3B in total assets and $4.3B in deposits, with 8 offices.

Based on its Q2 2026 filing, Leader Bank, National Association scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 19th. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is funding & liquidity (40/100; 102% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.58%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings53/100
Return on assets (annualized): 0.84%
Funding & liquidity40/100
Loans ÷ deposits and uninsured-deposit share: 101.9% · 31.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.21%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (69 → 71), mostly because the capital cushion component improved by 7 points.

TellerScore
676971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202468
Q4 202468
Q1 202569
Q2 202569
Q3 202570
Q4 202570
Q1 202670
Q2 202671
Tier 1 leverage ratio
5.00%8.38%11.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.30%
Q3 202411.64%
Q4 202411.53%
Q1 202511.45%
Q2 202510.89%
Q3 202511.30%
Q4 202511.34%
Q1 202611.75%
Q2 202611.58%
Noncurrent loans
0.03%0.03%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.04%
Q4 20240.03%
Q1 20250.04%
Q2 20250.04%
Q3 20250.03%
Q4 20250.03%
Q1 20260.03%
Q2 20260.03%
Return on assets
0.47%0.65%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.47%
Q3 20240.53%
Q4 20240.53%
Q1 20250.55%
Q2 20250.67%
Q3 20250.74%
Q4 20250.75%
Q1 20260.70%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$5.3B11.58%0.03%0.84%101.9%
Q1 202670$5.1B11.75%0.03%0.70%102.3%
Q4 202570$5.0B11.34%0.03%0.75%104.8%
Q3 202570$5.1B11.30%0.03%0.74%97.4%
Q2 202569$5.1B10.89%0.04%0.67%95.0%
Q1 202569$4.9B11.45%0.04%0.55%95.9%
Q4 202468$4.6B11.53%0.03%0.53%102.2%
Q3 202468$4.6B11.64%0.04%0.53%101.1%
Q2 202467$4.6B11.30%0.03%0.47%99.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.58%
71st
Total risk-based capital21.06%
94th
Problem loans0.03%
93rd
Net charge-offs-0.00%
89th
Return on assets0.84%
21st
Net interest margin2.52%
5th
Efficiency ratio63.4%
36th
Loans to deposits101.9%
11th
Uninsured deposits31.8%
47th
Loan-loss reserves0.95%
26th
Texas ratio0.2%
93rd

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Institution for Savings in Newburyport and Its VicinityBank Newburyport, MA76 out of 100, Strong$5.6B12.7%0.04%vs
The Cape Cod Five Cents Savings BankBank Hyannis, MA68 out of 100, Moderate$5.6B11.1%0.47%vs
PeoplesBankBank Holyoke, MA57 out of 100, Moderate$4.6B9.3%0.57%vs
Hingham Institution for SavingsBank Hingham, MA64 out of 100, Moderate$4.6B11.2%0.78%vs
Middlesex Savings BankBank Natick, MA79 out of 100, Strong$6.1B13.4%0.33%vs
Cambridge Savings BankBank Cambridge, MA51 out of 100, Below average$7.0B10.2%1.26%vs

Deposit insurance

Is my money safe at Leader Bank, National Association?

Yes. Leader Bank, National Association is an FDIC-insured institution (FDIC certificate #57134). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.8% of deposits ($1.4B) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.06% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Leader Bank, National Association lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Leader Bank, National Association reported 7,626 home-loan applications under HMDA (LEI 549300FK3AFCFVAPH234): 6,274 originated ($3,495,440,000 total), 155 denied, and 1,018 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Leader Bank, National Association
Type
National bank
FDIC certificate #
57134
RSSD ID
3109146
Primary regulator
OCC
Holding company
Leader Bcorp Inc
Established
May 8, 2002
Headquarters
141 Massachusetts Ave, Arlington, MA 02474
Employees
464

Quick answers

Leader Bank, National Association: common questions

Is Leader Bank, National Association FDIC insured?

Yes. Leader Bank, National Association is an FDIC-insured institution (FDIC certificate #57134). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Leader Bank, National Association's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Leader Bank, National Association ever failed?

There is no failure record for FDIC certificate #57134 in the FDIC failed bank list.

How many branches does Leader Bank, National Association have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Arlington

InstitutionScoreAssetsCapitalProblem loansCompare
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs