TellerScore

Middlesex Federal Savings, F.A. (FDIC certificate #28368) is based in Somerville, Massachusetts. Its Q2 2026 call report shows $654.4M in total assets and $576.5M in deposits and 4 offices.

Middlesex Federal Savings, F.A. has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 43rd. Loan quality contributes the most (99/100, 0.04%); earnings contributes the least (25/100, 0.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.97%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings25/100
Return on assets (annualized): 0.14%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 91.4% · 14.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.37%

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 3 points (68 → 65), mostly because the earnings component weakened by 23 points.

TellerScore
646770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202464
Q4 202468
Q1 202569
Q2 202568
Q3 202570
Q4 202570
Q1 202665
Q2 202665
Tier 1 leverage ratio
5.00%7.52%10.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.92%
Q3 20249.12%
Q4 20249.24%
Q1 20259.49%
Q2 20259.49%
Q3 20259.71%
Q4 20259.88%
Q1 202610.04%
Q2 20269.97%
Noncurrent loans
0.00%0.13%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.27%
Q4 20240.06%
Q1 20250.05%
Q2 20250.09%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.04%
Return on assets
0.10%0.46%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.66%
Q4 20240.67%
Q1 20250.75%
Q2 20250.71%
Q3 20250.82%
Q4 20250.69%
Q1 20260.10%
Q2 20260.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$654.4M9.97%0.04%0.14%91.4%
Q1 202665$641.7M10.04%0.00%0.10%91.8%
Q4 202570$638.0M9.88%0.00%0.69%88.6%
Q3 202570$653.0M9.71%0.00%0.82%90.0%
Q2 202568$661.4M9.49%0.09%0.71%89.3%
Q1 202569$644.9M9.49%0.05%0.75%86.5%
Q4 202468$631.3M9.24%0.06%0.67%86.1%
Q3 202464$646.5M9.12%0.27%0.66%85.7%
Q2 202467$634.4M8.92%0.01%0.63%83.5%

2,650 peers · $100 million – $1 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 ratio9.97%
31st
Total risk-based capital0.00%
24th
Problem loans0.04%
80th
Net charge-offs0.00%
59th
Return on assets0.14%
5th
Net interest margin2.72%
5th
Efficiency ratio93.1%
4th
Loans to deposits91.4%
24th
Uninsured deposits14.0%
85th
Loan-loss reserves1.20%
51st
Texas ratio0.4%
80th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Walpole Co-operative BankBank Walpole, MA83 out of 100, Strong$646.5M18.8%0.11%vs
OneUnited BankBank Boston, MA59 out of 100, Moderate$637.9M10.4%0.42%vs
Haverhill BankBank Haverhill, MA77 out of 100, Strong$636.8M11.2%0.14%vs
Eagle BankBank Everett, MA65 out of 100, Moderate$709.0M10.6%0.04%vs
Lee BankBank Lee, MA64 out of 100, Moderate$591.2M9.6%0.52%vs
Bay State Savings BankBank Worcester, MA57 out of 100, Moderate$580.3M8.8%0.47%vs

Deposit insurance

Is my money safe at Middlesex Federal Savings, F.A.?

Yes. Middlesex Federal Savings, F.A. is an FDIC-insured institution (FDIC certificate #28368). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.0% of deposits ($80.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.97%, 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

4 locations

Branches

Middlesex Federal Savings, F.A. lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Middlesex Federal Savings, F.A. reported 88 home-loan applications under HMDA (LEI 549300JPG4IUQOVV5C90): 73 originated ($80,795,000 total), 1 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.3%, 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
Middlesex Federal Savings, F.A.
Former names
Middlesex Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
28368
RSSD ID
87579
Primary regulator
OCC
Holding company
Middlesex Federal Mhc
Established
January 1, 1890
Headquarters
1 College Ave, Somerville, MA 02144
Employees
72

Quick answers

Middlesex Federal Savings, F.A.: common questions

Is Middlesex Federal Savings, F.A. FDIC insured?

Yes. Middlesex Federal Savings, F.A. is an FDIC-insured institution (FDIC certificate #28368). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Middlesex Federal Savings, F.A.'s TellerScore?

65 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 Middlesex Federal Savings, F.A. ever failed?

There is no failure record for FDIC certificate #28368 in the FDIC failed bank list.

How many branches does Middlesex Federal Savings, F.A. have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Somerville

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