MARTHA'S VINEYARD BANK
MARTHA'S VINEYARD BANK is an FDIC-insured commercial bank headquartered in EDGARTOWN, MA, established in 1955. As of , the bank reported total assets of $1.3B and total deposits of $1.0B. Profitability stands at 0.86% ROA and 7.86% ROE, with a net interest margin of 3.15%. CET1 capital ratio: 11.07%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 0.67%. Operates 10 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Martha's Vineyard Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.07% | 0.86% | 0.09% | 0.67% | 3.15% |
| 2025-09-30 | 10.90% | 0.73% | 0.56% | 4.19% | 2.93% |
| 2025-06-30 | 10.48% | 0.54% | 0.06% | 0.50% | 2.68% |
| 2025-03-31 | 10.51% | 0.52% | 0.03% | 0.23% | 2.53% |
| 2024-12-31 | 10.10% | 0.21% | 0.03% | 0.25% | 2.50% |
| 2024-09-30 | 10.33% | 0.40% | 0.03% | 0.22% | 2.28% |
| 2024-06-30 | 9.84% | 0.20% | 0.03% | 0.23% | 2.13% |
| 2024-03-31 | 9.85% | 0.29% | 0.01% | 0.10% | 2.17% |
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Frequently asked about MARTHA'S VINEYARD BANK
What are Martha's Vineyard Bank's total assets?
As of the Q4 2025 filing, Martha's Vineyard Bank reported total assets of $1.28 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Martha's Vineyard Bank headquartered?
Martha's Vineyard Bank is headquartered in EDGARTOWN, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Martha's Vineyard Bank founded?
Martha's Vineyard Bank was established in 1955, per the FDIC institution directory.
Is Martha's Vineyard Bank FDIC-insured?
Yes. Martha's Vineyard Bank is an FDIC-insured commercial bank (FDIC Certificate #90190). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Martha's Vineyard Bank?
Martha's Vineyard Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Martha's Vineyard Bank's CET1 capital ratio?
Martha's Vineyard Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.07% in its most recent quarterly filing — above regulatory minimums.
How many branches does Martha's Vineyard Bank operate?
Martha's Vineyard Bank operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Martha's Vineyard Bank's Texas Ratio?
Martha's Vineyard Bank's Texas Ratio is 0.67% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.