MIDDLESEX FEDERAL SAVINGS, F.A.

SOMERVILLE, MA | Medium | Est. Jan. 1, 1890, midnight | FDIC #28368 | RSSD #87579 | OCC
Latest Report: 2025-12-31

MIDDLESEX FEDERAL SAVINGS, F.A. is amn medium FDIC-insured commercial bank headquartered in SOMERVILLE, MA, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $638M and total deposits of $576M. Profitability stands at 0.29% ROA and 3.38% ROE, with a net interest margin of 4.28%. The bank's CET1 capital ratio is 13.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #28368.

Assets

$638M

Deposits

$576M

Loans

$517M

Equity

$57M

Profitability

Return on Assets (ROA) 0.29%
Return on Equity (ROE) 3.38%
Net Interest Margin (NIM) 4.28%
Yield on Assets 5.12%
Cost of Funds 0.85%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 13.73%
Tier 1 Capital 13.73%
Total Capital Ratio 14.99%
Leverage Ratio 9.88%
Loan-to-Deposit 89.78%

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