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.

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 75).

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

Similar-size banks in Massachusetts

Yes. OneLocal Bank is an FDIC-insured institution (FDIC certificate #26555). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.8% of deposits ($310.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.68%, 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

OneLocal Bank lists 4 offices in 4 cities. Most locations:

• Foxboro, MA (1)
• Norfolk, MA (1)
• Norwood, MA (1)
• Plainville, MA (1)

All branch addresses and map

In 2025, OneLocal Bank reported 166 home-loan applications under HMDA (LEI 54930034MXV88NNFY879): 147 originated ($168,545,000 total), 10 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, 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.

Legal name

OneLocal Bank

Former names

Norwood Co-operative Bank

Type

SI

FDIC certificate #

26555

RSSD ID

1013070

Primary regulator

FDIC

Holding company

1889 Bcorp Mhc

Established

January 1, 1889

Headquarters

11 Central St, Norwood, MA 02062

Website

www.onelocalbank.com/

Employees

84