MIDDLESEX SAVINGS BANK

NATICK, MA | Large | Est. March 5, 1835, midnight | FDIC #90183 | RSSD #888002 | FDIC
Latest Report: 2025-12-31

MIDDLESEX SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in NATICK, MA, established in March 5, 1835, midnight. As of 2025-12-31, the bank reported total assets of $6.2B and total deposits of $5.2B. Profitability stands at 0.60% ROA and 4.70% ROE, with a net interest margin of 2.63%. The bank's CET1 capital ratio is 17.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 0.87%. FDIC Certificate #90183.

Assets

$6.2B

Deposits

$5.2B

Loans

$3.7B

Equity

$791M

Profitability

Return on Assets (ROA) 0.60%
Return on Equity (ROE) 4.70%
Net Interest Margin (NIM) 2.63%
Yield on Assets 4.72%
Cost of Funds 2.97%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.87%
NPA Ratio 0.12%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 17.89%
Tier 1 Capital 17.89%
Total Capital Ratio 18.69%
Leverage Ratio 13.06%
Loan-to-Deposit 70.10%

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