TellerScore

Headquartered in Edgartown, Massachusetts, Martha's Vineyard Bank is a state-chartered bank (fed member) with $1.3B in total assets and $1.1B in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1955.

Martha's Vineyard Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than 53% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 29th. Problem-loan coverage contributes the most (99/100, 0.6%); funding & liquidity contributes the least (37/100, 105% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.75%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity37/100
Loans ÷ deposits and uninsured-deposit share: 104.7% · 31.8% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.62%

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 (67 → 69), mostly because the capital cushion component improved by 5 points.

TellerScore
646769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202464
Q1 202566
Q2 202567
Q3 202564
Q4 202567
Q1 202669
Q2 202669
Tier 1 leverage ratio
5.00%8.43%11.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.76%
Q3 202410.87%
Q4 202411.04%
Q1 202511.21%
Q2 202511.28%
Q3 202511.43%
Q4 202511.55%
Q1 202611.86%
Q2 202611.75%
Noncurrent loans
0.01%0.27%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20240.01%
Q1 20250.01%
Q2 20250.04%
Q3 20250.54%
Q4 20250.07%
Q1 20260.07%
Q2 20260.09%
Return on assets
0.24%0.45%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.30%
Q4 20240.27%
Q1 20250.52%
Q2 20250.52%
Q3 20250.59%
Q4 20250.66%
Q1 20260.65%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$1.3B11.75%0.09%0.65%104.7%
Q1 202669$1.3B11.86%0.07%0.65%106.3%
Q4 202567$1.3B11.55%0.07%0.66%106.9%
Q3 202564$1.3B11.43%0.54%0.59%101.4%
Q2 202567$1.3B11.28%0.04%0.52%106.2%
Q1 202566$1.3B11.21%0.01%0.52%108.6%
Q4 202464$1.3B11.04%0.01%0.27%109.4%
Q3 202465$1.3B10.87%0.01%0.30%107.7%
Q2 202464$1.3B10.76%0.01%0.24%112.2%

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 ratio11.75%
74th
Total risk-based capital0.00%
13th
Problem loans0.09%
89th
Net charge-offs0.00%
76th
Return on assets0.65%
13th
Net interest margin3.14%
20th
Efficiency ratio75.2%
12th
Loans to deposits104.7%
8th
Uninsured deposits31.8%
47th
Loan-loss reserves0.79%
15th
Texas ratio0.6%
89th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Fidelity Co-operative BankBank Leominster, MA39 out of 100, Low$1.3B9.9%4.44%vs
Webster Five Cents Savings BankBank Webster, MA70 out of 100, Strong$1.3B12.5%0.46%vs
MutualOne BankBank Framingham, MA54 out of 100, Below average$1.2B21.1%5.92%vs
Watertown Savings BankBank Watertown, MA78 out of 100, Strong$1.4B12.0%0.17%vs
Reading Co-operative BankBank Reading, MA56 out of 100, Moderate$1.2B7.3%0.06%vs
Greenfield Savings BankBank Greenfield, MA61 out of 100, Moderate$1.5B10.1%0.42%vs

Deposit insurance

Is my money safe at Martha's Vineyard Bank?

Yes. Martha's Vineyard Bank is an FDIC-insured institution (FDIC certificate #90190). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.8% of deposits ($339.8M) 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 11.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Martha's Vineyard Bank lists 10 offices in 6 cities. Most locations:

  • Falmouth, MA (3)
  • Edgartown, MA (2)
  • Oak Bluffs, MA (2)
  • Chilmark, MA (1)
  • Vineyard Haven, MA (1)
  • West Tisbury, MA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Martha's Vineyard Bank reported 120 home-loan applications under HMDA (LEI 54930021FWO6J6IYPZ85): 99 originated ($89,505,000 total), 6 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.4%, 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
Martha's Vineyard Bank
Former names
Martha's Vineyard Savings Bank; Dukes County Savings Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
90190
RSSD ID
196800
Primary regulator
FED
Holding company
Vineyard Bcorp Mhc
Established
April 15, 1955
Headquarters
78 Main St, Edgartown, MA 02539
Employees
122

Quick answers

Martha's Vineyard Bank: common questions

Is Martha's Vineyard Bank FDIC insured?

Yes. Martha's Vineyard Bank is an FDIC-insured institution (FDIC certificate #90190). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Martha's Vineyard Bank's TellerScore?

69 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 Martha's Vineyard Bank ever failed?

There is no failure record for FDIC certificate #90190 in the FDIC failed bank list.

How many branches does Martha's Vineyard Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Edgartown

InstitutionScoreAssetsCapitalProblem loansCompare
First Citizens' Federal Credit UnionCredit union Fairhaven, MA83 out of 100, Strong$705.9M20.2%0.77%vs
Southcoast Federal Credit UnionCredit union New Bedford, MA74 out of 100, Strong$59.0M12.4%0.27%vs
Rockland Trust CompanyBank Rockland, MA73 out of 100, Strong$25.0B11.8%0.56%vs
Leader Bank, National AssociationBank Arlington, MA71 out of 100, Strong$5.3B11.6%0.03%vs
The Cape Cod Five Cents Savings BankBank Hyannis, MA68 out of 100, Moderate$5.6B11.1%0.47%vs
Eastern BankBank Boston, MA66 out of 100, Moderate$31.1B10.2%0.47%vs