TellerScore

Main Street Bank (FDIC certificate #90235) is based in Marlborough, Massachusetts. Its Q2 2026 call report shows $1.7B in total assets and $1.4B in deposits and 6 offices.

Main Street Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 70th. Problem-loan coverage contributes the most (78/100, 10.9%); loan quality contributes the least (44/100, 1.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 12.04%
Loan quality44/100
Noncurrent loans ÷ total loans: 1.69%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 89.3% · 26.3% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.86%

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 fell 8 points (66 → 58), mostly because the loan quality component weakened by 38 points.

TellerScore
566166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202458
Q1 202561
Q2 202566
Q3 202566
Q4 202563
Q1 202656
Q2 202658
Tier 1 leverage ratio
5.00%8.53%12.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.10%
Q3 202410.48%
Q4 202410.61%
Q1 202510.63%
Q2 202511.07%
Q3 202511.44%
Q4 202511.80%
Q1 202612.06%
Q2 202612.04%
Noncurrent loans
0.35%1.02%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.35%
Q3 20240.36%
Q4 20240.83%
Q1 20250.84%
Q2 20250.55%
Q3 20250.50%
Q4 20250.90%
Q1 20261.66%
Q2 20261.69%
Return on assets
0.33%0.52%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.43%
Q4 20240.49%
Q1 20250.71%
Q2 20250.66%
Q3 20250.70%
Q4 20250.63%
Q1 20260.53%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$1.7B12.04%1.69%0.63%89.3%
Q1 202656$1.6B12.06%1.66%0.53%94.4%
Q4 202563$1.7B11.80%0.90%0.63%97.4%
Q3 202566$1.7B11.44%0.50%0.70%97.2%
Q2 202566$1.7B11.07%0.55%0.66%91.9%
Q1 202561$1.6B10.63%0.84%0.71%96.9%
Q4 202458$1.6B10.61%0.83%0.49%102.5%
Q3 202461$1.6B10.48%0.36%0.43%103.4%
Q2 202460$1.6B10.10%0.35%0.33%98.5%

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 ratio12.04%
77th
Total risk-based capital18.31%
87th
Problem loans1.69%
12th
Net charge-offs-0.02%
96th
Return on assets0.63%
11th
Net interest margin3.01%
15th
Efficiency ratio73.4%
15th
Loans to deposits89.3%
44th
Uninsured deposits26.3%
66th
Loan-loss reserves0.90%
20th
Texas ratio10.9%
15th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
East Cambridge Savings BankBank Cambridge, MA59 out of 100, Moderate$1.7B9.7%0.20%vs
Everett Co-operative BankBank Everett, MA62 out of 100, Moderate$1.7B9.8%0.10%vs
Cape & Coast BankBank Yarmouth Port, MA53 out of 100, Below average$1.7B9.7%0.94%vs
Bluestone BankBank Raynham, MA51 out of 100, Below average$1.6B9.5%1.04%vs
Newburyport Five Cents Savings BankBank Newburyport, MA44 out of 100, Below average$1.6B9.8%1.66%vs
Greenfield Savings BankBank Greenfield, MA61 out of 100, Moderate$1.5B10.1%0.42%vs

Deposit insurance

Is my money safe at Main Street Bank?

Yes. Main Street Bank is an FDIC-insured institution (FDIC certificate #90235). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.3% of deposits ($366.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.04%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.31% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Main Street Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Main Street Bank reported 84 home-loan applications under HMDA (LEI 549300CPZ5G5IZWT7878): 52 originated ($20,510,000 total), 14 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.9%, 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
Main Street Bank
Former names
Marlborough Savings Bank; Marlborough Savings Bank
Type
SI
FDIC certificate #
90235
RSSD ID
818401
Primary regulator
FDIC
Holding company
Main Street Group Bancshares Mhc
Established
April 3, 1860
Headquarters
81 Granger Blvd, Marlborough, MA 01752
Employees
161

Quick answers

Main Street Bank: common questions

Is Main Street Bank FDIC insured?

Yes. Main Street Bank is an FDIC-insured institution (FDIC certificate #90235). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Main Street Bank's TellerScore?

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

Has Main Street Bank ever failed?

There is no failure record for FDIC certificate #90235 in the FDIC failed bank list.

How many branches does Main Street Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Marlborough

InstitutionScoreAssetsCapitalProblem loansCompare
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%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
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
Webster First Federal Credit UnionCredit union Worcester, MA87 out of 100, Very strong$1.5B19.7%0.41%vs