Side-by-side · Q2 2026 data
Needham Bank vs Middlesex Savings Bank
Metric by metric
| Measure | Needham Bank | Middlesex Savings Bank |
|---|---|---|
| TellerScore | 67 | 79 (stronger) |
| Capital cushion | 59 | 84 (stronger) |
| Loan quality | 86 | 89 (stronger) |
| Earnings | 60 (stronger) | 49 |
| Funding & liquidity | 44 | 80 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 44th | 88th |
| Total assets | $7.4B | $6.1B |
| Deposits / shares | $6.3B | $5.2B |
| Capital ratio | 10.89% | 13.44% (stronger) |
| Problem loans | 0.43% | 0.33% (stronger) |
| Net charge-offs | 0.47% | 0.01% (stronger) |
| Return on assets | 1.01% (stronger) | 0.72% |
| Loans ÷ deposits | 101.3% | 72.5% (stronger) |
| Uninsured deposits | 28.2% | 22.4% (stronger) |
| Offices | 20 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.8% | 10.3% |
Middlesex Savings Bank has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Needham Bank leads on 1 and Middlesex Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Ashland, MA
- Medfield, MA
- Millis, MA
- Natick, MA
- Needham, MA
- Wellesley, MA