Leader Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Leader Bank, N.A. is an FDIC-insured commercial bank headquartered in Arlington, MA, established in 2002 (FDIC certificate 57134), and it is supervised by the OCC. At Q2 2026 it reported total assets of $5.28B, up 3.4% from Q2 2025, the 11th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 19.80% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57134
- Headquarters
- Arlington, MA
- Established
- 2002
- Total assets, Q2 2026
- $5.28B
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 19.80%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 011307129
- Latest call report
- Q2 2026, FFIEC 041 · Leader Bank, N.A. call report
- Holding company
- LEADER BANCORP, INC
- Asset rank in state
- 11th of 89 in Massachusetts
Leader Bank, N.A., based in Arlington, Massachusetts, reported $5.3 billion in assets at June 30, 2026, up 3.4% from a year earlier. It keeps 2.69 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds common equity equal to 19.80% of its risk-weighted assets, higher than about 9 in 10 banks its size (median 13.52%).
Earnings jumped: net income for the quarter was $13 million, 30% above the same quarter a year earlier. Over the same year, loans grew 10.2% and deposits grew 2.8%. Funding is the softer spot: it pays an average of 2.72% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Leader Bank, N.A. reported a CET1 capital ratio of 19.80%, a return on assets of 1.00%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.21%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Leader Bank, N.A. is the 11th largest of the 89 banks headquartered in Massachusetts. Between Q1 2026 and Q2 2026, its total assets rose 4.1% to $5.28B, loans rose 5.0% and deposits rose 5.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 50.3% of total loans, followed by non-owner-occupied commercial real estate loans at 15.0%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in MA; its Arlington 2 offices book 77% of its branch deposits. Judged on its Q2 2026 call report, Leader Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 141 Massachusetts Ave, Arlington, MA 02474
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 8, 2002
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 464
- Domestic deposits
- $4.26B
- Allowance for credit losses
- $41.8M
- Net charge-offs (YTD)
- -$38K
- Average total assets
- $5.03B
- Average total loans
- $4.21B
- Average interest-bearing deposits
- $3.52B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 8, 2002
- FDIC Cert
- 57134
- Fed RSSD
- 3109146
- SEC CIK
- 1379727 → filed by LEADER BANCORP, INC
- Website
- www.leaderbank.com/ →
- Parent Holding Company
- LEADER BANCORP, INC (RSSD 3439236)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Leader Bank, N.A.'s total assets moved between a low of $4.30B (Q3 2023) and a high of $5.28B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.28B total assets against $5.11B; $4.73B total liabilities against $4.59B.
$4.34B net loans and leases against $3.94B; $4.26B total deposits against $4.15B.
$285.5M securities against $302.7M; $508.7M cash and balances due against $738.9M.
$63.3M total interest income against $61.1M; $29.5M total interest expense against $34.0M.
$33.8M net interest income against $27.1M.
$11.8M total noninterest income against $9.9M; $27.1M total noninterest expense against $22.3M.
$953K provision for credit losses against $1.3M.
$12.6M net income against $9.7M.
1.00% return on assets against 0.77%; 2.69% net interest margin against 2.19%.
19.80% CET1 capital ratio against 20.99%; 11.58% tier 1 leverage ratio against 10.89%.
Inside the full Leader Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Leader Bank, N.A. rankings
Its closest position to the top of a national ranking is 274 of 4,196, for total assets; its furthest is 3,151 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q4 2024) to 1.00% (Q2 2026) and its net interest margin ran from 1.99% (Q3 2024) to 2.69% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.80% | 1.00% | 0.03% | 0.21% | 2.69% |
| Q1 2026 | 20.32% | 0.73% | 0.03% | 0.20% | 2.35% |
| Q4 2025 | 20.84% | 0.78% | 0.03% | 0.21% | 2.37% |
| Q3 2025 | 20.80% | 0.89% | 0.03% | 0.21% | 2.26% |
| Q2 2025 | 20.99% | 0.77% | 0.04% | 0.26% | 2.19% |
| Q1 2025 | 18.62% | 0.55% | 0.04% | 0.27% | 2.07% |
| Q4 2024 | 18.60% | 0.54% | 0.03% | 0.21% | 2.02% |
| Q3 2024 | 18.28% | 0.66% | 0.04% | 0.29% | 1.99% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Leader Bank, N.A. (main office) | Arlington , MA | 02474 | $3.00B |
| Burlington Branch | Burlington , MA | 01803 | $299.4M |
| Arlington Heights Branch | Arlington , MA | 02476 | $286.4M |
| Belmont Branch | Belmont , MA | 02478 | $266.6M |
| Central Square Branch | Cambridge , MA | 02139 | $240.4M |
| Seaport Branch | Boston , MA | 02210 | $166.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in MA, rank 16 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 8,097 applications, 6,274 loans originated, $3.50B originated, across 46 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 67 loans, $39.9M approved, $596K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Leader Bank, N.A.
What are Leader Bank, N.A.'s total assets?
As of the Q2 2026 filing, Leader Bank, N.A. reported total assets of $5.28 billion in its FFIEC call report.
Where is Leader Bank, N.A. headquartered?
It is headquartered in Arlington, MA, United States.
When was Leader Bank, N.A. founded?
It was established in 2002, per the FDIC institution directory.
Is Leader Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57134). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Leader Bank, N.A.?
Leader Bank, N.A.'s primary federal regulator is the OCC.
What is Leader Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.80% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Leader Bank, N.A. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Leader Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.21% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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