TellerScore

Headquartered in Natick, Massachusetts, Middlesex Savings Bank is a state-chartered bank with $6.1B in total assets and $5.2B in deposits as of Q2 2026. It operates 35 offices. Its charter dates back to 1835.

Middlesex Savings Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 88% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 7th. Problem-loan coverage contributes the most (97/100, 1.5%); earnings contributes the least (49/100, 0.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Tier 1 leverage ratio: 13.44%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.33%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 72.5% · 22.4% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.49%

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 3 points (76 → 79), mostly because the earnings component improved by 14 points.

TellerScore
757779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202477
Q4 202475
Q1 202576
Q2 202576
Q3 202578
Q4 202578
Q1 202679
Q2 202679
Tier 1 leverage ratio
5.00%9.22%13.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.16%
Q3 202412.80%
Q4 202412.54%
Q1 202512.66%
Q2 202512.72%
Q3 202512.92%
Q4 202513.06%
Q1 202613.25%
Q2 202613.44%
Noncurrent loans
0.06%0.20%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.10%
Q4 20240.09%
Q1 20250.06%
Q2 20250.19%
Q3 20250.21%
Q4 20250.20%
Q1 20260.20%
Q2 20260.33%
Return on assets
0.20%0.46%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.34%
Q4 20240.20%
Q1 20250.28%
Q2 20250.37%
Q3 20250.53%
Q4 20250.54%
Q1 20260.58%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$6.1B13.44%0.33%0.72%72.5%
Q1 202679$6.2B13.25%0.20%0.58%70.5%
Q4 202578$6.2B13.06%0.20%0.54%69.4%
Q3 202578$6.1B12.92%0.21%0.53%67.8%
Q2 202576$6.1B12.72%0.19%0.37%67.4%
Q1 202576$6.1B12.66%0.06%0.28%67.0%
Q4 202475$6.1B12.54%0.09%0.20%68.5%
Q3 202477$6.0B12.80%0.10%0.34%70.4%
Q2 202475$6.0B12.16%0.09%0.34%72.6%

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 ratio13.44%
88th
Total risk-based capital19.01%
90th
Problem loans0.33%
65th
Net charge-offs0.01%
64th
Return on assets0.72%
16th
Net interest margin2.72%
8th
Efficiency ratio68.2%
25th
Loans to deposits72.5%
81st
Uninsured deposits22.4%
78th
Loan-loss reserves0.90%
20th
Texas ratio1.5%
77th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
The Cape Cod Five Cents Savings BankBank Hyannis, MA68 out of 100, Moderate$5.6B11.1%0.47%vs
Institution for Savings in Newburyport and Its VicinityBank Newburyport, MA76 out of 100, Strong$5.6B12.7%0.04%vs
Cambridge Savings BankBank Cambridge, MA51 out of 100, Below average$7.0B10.2%1.26%vs
Leader Bank, National AssociationBank Arlington, MA71 out of 100, Strong$5.3B11.6%0.03%vs
Needham BankBank Needham, MA67 out of 100, Moderate$7.4B10.9%0.43%vs
PeoplesBankBank Holyoke, MA57 out of 100, Moderate$4.6B9.3%0.57%vs

Deposit insurance

Is my money safe at Middlesex Savings Bank?

Yes. Middlesex Savings Bank is an FDIC-insured institution (FDIC certificate #90183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.4% of deposits ($1.2B) 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 13.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.01% (benchmark: 10%).

Check how much of your own balance is covered

35 locations

Branches

Middlesex Savings Bank lists 32 offices in 30 cities. Most locations:

  • Framingham, MA (2)
  • Maynard, MA (2)
  • Acton, MA (1)
  • Ashland, MA (1)
  • Bedford, MA (1)
  • Bellingham, MA (1)
  • Boxborough, MA (1)
  • Cochituate, MA (1)
  • Concord, MA (1)
  • Franklin, MA (1)
  • Groton, MA (1)
  • Holliston, MA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Middlesex Savings Bank reported 1,429 home-loan applications under HMDA (LEI VMDPCBOQ43W3PZTYZL93): 1,177 originated ($457,115,000 total), 137 denied, and 96 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.3%, 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 Savings Bank
Type
State-chartered bank
FDIC certificate #
90183
RSSD ID
888002
Primary regulator
FDIC
Holding company
Middlesex Bcorp Mhc
Established
March 5, 1835
Headquarters
6 Main St, Natick, MA 01760
Employees
490

Quick answers

Middlesex Savings Bank: common questions

Is Middlesex Savings Bank FDIC insured?

Yes. Middlesex Savings Bank is an FDIC-insured institution (FDIC certificate #90183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Middlesex Savings Bank's TellerScore?

79 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 Middlesex Savings Bank ever failed?

There is no failure record for FDIC certificate #90183 in the FDIC failed bank list.

How many branches does Middlesex Savings Bank have?

35 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Natick

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%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