BanksMIDDLESEX SAVINGS BANK

MIDDLESEX SAVINGS BANK

NATICK, MALargeEst. March 5, 1835, midnightFDIC #90183RSSD #888002FDIC
Latest · 2025-12-31

MIDDLESEX SAVINGS BANK is an 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%. CET1 capital ratio: 17.89%, well above regulatory minimums. NPL ratio: 0.20% · Texas Ratio: 0.87%. Operates 34 domestic branches.

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 Margin2.63%
Yield on Assets4.72%
Cost of Funds2.26%

Asset Quality

NPL Ratio0.20%
Net Charge-Off Ratio0.02%
Texas Ratio0.87%
NPA Ratio0.12%
ACL / Loans0.94%

Capital & Liquidity

CET1 Ratio17.89%
Tier 1 Capital17.89%
Total Capital Ratio18.69%
Leverage Ratio13.06%
Loan-to-Deposit70.10%

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