NEEDHAM BANK

NEEDHAM, MA | Large | Est. Jan. 1, 1892, midnight | FDIC #26483 | RSSD #339773 | FED
Latest Report: 2025-12-31

NEEDHAM BANK is aln large FDIC-insured commercial bank headquartered in NEEDHAM, MA, established in Jan. 1, 1892, midnight. As of 2025-12-31, the bank reported total assets of $6.9B and total deposits of $5.9B. Profitability stands at 0.65% ROA and 5.56% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 11.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.72% and a Texas Ratio of 5.00%. FDIC Certificate #26483.

Assets

$6.9B

Deposits

$5.9B

Loans

$6.1B

Equity

$779M

Profitability

Return on Assets (ROA) 0.65%
Return on Equity (ROE) 5.56%
Net Interest Margin (NIM) 4.07%
Yield on Assets 6.84%
Cost of Funds 3.09%

Asset Quality

NPL Ratio 0.72%
Net Charge-Off Ratio 0.10%
Texas Ratio 5.00%
NPA Ratio 0.63%
ACL / Loans 1.44%

Capital & Liquidity

CET1 Ratio 11.62%
Tier 1 Capital 11.62%
Total Capital Ratio 12.37%
Leverage Ratio 12.16%
Loan-to-Deposit 103.29%

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