BanksNEEDHAM BANK

NEEDHAM BANK

NEEDHAM, MALargeEst. Jan. 1, 1892, midnightFDIC #26483RSSD #339773FED
Latest · 2025-12-31

NEEDHAM BANK is an 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%. CET1 capital ratio: 11.62%, well above regulatory minimums. NPL ratio: 0.72% · Texas Ratio: 5.00%. Operates 12 domestic branches.

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 Margin4.07%
Yield on Assets6.84%
Cost of Funds2.93%

Asset Quality

NPL Ratio0.72%
Net Charge-Off Ratio0.10%
Texas Ratio5.00%
NPA Ratio0.63%
ACL / Loans1.44%

Capital & Liquidity

CET1 Ratio11.62%
Tier 1 Capital11.62%
Total Capital Ratio12.37%
Leverage Ratio12.16%
Loan-to-Deposit103.29%

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