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BanksLeader Bank, N.A.

Leader Bank, N.A.

ARLINGTON, MALargeEst. May 8, 2002FDIC #57134RSSD #3109146OCC
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Leader Bank, N.A. is a community bank chartered in 2002, based in Arlington, MA, during the Gramm-Leach-Bliley deregulation period. Total assets stand at $5.1B. Profitability tracks the broader industry — ROA 0.73%, ROE 6.53%, NIM 2.35%. Capital is comfortably above regulatory minimums — CET1 ratio of 20.32% sits well above the 7% well-capitalized threshold. Credit metrics are pristine, with nonperforming loans at just 0.03%. 6 branches make up the footprint.

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
Fed District
2
Established
May 8, 2002
Branches
6 domestic
Employees (FTE)
448
FDIC Cert
57134
Fed RSSD
3109146
Assets
$5.1B
Deposits
$4.0B
Loans
$4.2B
Equity
$547M

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Watch flags

Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.

Loan-to-Deposit at 103.3% — loans exceed deposit baseWhat does this mean? →

Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.

Quarterly trend — last 6 quarters

Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.

QuarterCET1ROANPLTexasNIM
2026-03-3120.32%0.73%0.03%0.22%2.35%
2025-12-3120.84%0.78%0.03%0.23%2.37%
2025-09-3020.80%0.89%0.03%0.21%2.26%
2025-06-3020.99%0.77%0.04%0.26%2.19%
2025-03-3118.62%0.55%0.04%0.27%2.07%
2024-12-3118.60%0.54%0.03%0.21%2.02%

Branch Network

Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.

BranchLocationZIPDeposits
Loading branches…

Frequently asked about Leader Bank, N.A.

What are Leader Bank, N.A.'s total assets?

As of the Q1 2026 filing, Leader Bank, N.A. reported total assets of $5.08 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.

Where is Leader Bank, N.A. headquartered?

Leader Bank, N.A. is headquartered in ARLINGTON, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.

When was Leader Bank, N.A. founded?

Leader Bank, N.A. was established in 2002, per the FDIC institution directory.

Is Leader Bank, N.A. FDIC-insured?

Yes. Leader Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.

What is Leader Bank, N.A.'s CET1 capital ratio?

Leader Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 20.32% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.

How many branches does Leader Bank, N.A. operate?

Leader Bank, N.A. operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.

What is Leader Bank, N.A.'s Texas Ratio?

Leader Bank, N.A.'s Texas Ratio is 0.22% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.

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