Main Street Bank (Marlborough, MA)
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Data as of · sourced from FFIEC call reports. How we update
Main Street Bank is an FDIC-insured savings bank headquartered in Marlborough, MA, established in 1860 (FDIC certificate 90235), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.67B, down 1.4% from Q2 2025, the 32nd largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 17.31% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90235
- Headquarters
- Marlborough, MA
- Established
- 1860
- Total assets, Q2 2026
- $1.67B
- Assets vs Q2 2025
- -1.4%
- CET1 ratio, Q2 2026
- 17.31%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 211370752
- Latest call report
- Q2 2026, FFIEC 051 · Main Street Bank call report
- Holding company
- MAIN STREET GROUP BANCSHARES INC
- Asset rank in state
- 32nd of 89 in Massachusetts
Problem loans are rising at Main Street Bank. It reported $1.7 billion in assets at June 30, 2026, down 1.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.69% of loans from 0.55% a year earlier. It shrank its loan book 5.1% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also keeps 2.94 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
Delinquency has appeared in its $203 million non-owner-occupied commercial real estate book: 5.44% of those loans are past due or on nonaccrual, against almost none a year earlier. Net income for the quarter rose 17% from a year earlier, to $3.0 million. Profitability lags: it returns 6.6% a year on shareholders' equity, about half the median of 12.6% for banks its size.
As of June 30, 2026, Main Street Bank reported a CET1 capital ratio of 17.31%, a return on assets of 0.71%, a nonperforming-loan ratio of 1.69% and a Texas ratio of 10.91%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Main Street Bank is the 32nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.3% to $1.67B, loans fell 2.0% and deposits rose 3.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 55.6% of total loans, followed by non-owner-occupied commercial real estate loans at 16.1%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in MA; its Marlborough office books 52% of its branch deposits. Judged on its Q2 2026 call report, Main Street Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 81 Granger Blvd, Marlborough, MA 01752
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- April 3, 1860
- Former names
- Marlborough Savings Bank (1971-2017)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 161
- Domestic deposits
- $1.39B
- Allowance for credit losses
- $11.3M
- Net charge-offs (YTD)
- -$96K
- Average total assets
- $1.68B
- Average total loans
- $1.27B
- Average interest-bearing deposits
- $1.05B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 15, 1985
- FDIC Cert
- 90235
- Fed RSSD
- 818401
- Website
- www.bankmainstreet.com →
- Parent Holding Company
- MAIN STREET GROUP BANCSHARES INC (RSSD 3469363)
- Ultimate Parent
- MAIN STREET GROUP BANCSHARES MHC (RSSD 3469354)
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
Over the 12 quarters to Q2 2026, Main Street Bank's total assets ran between $1.61B (Q1 2026) and $1.73B (Q4 2023), 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
$1.67B total assets against $1.69B; $1.48B total liabilities against $1.53B.
$1.24B net loans and leases against $1.31B; $1.39B total deposits against $1.43B.
$317.0M securities against $243.5M; $34.0M cash and balances due against $56.0M.
$20.2M total interest income against $19.9M; $8.4M total interest expense against $9.1M.
$11.9M net interest income against $10.9M.
$2.7M total noninterest income against $834K; $10.5M total noninterest expense against $9.3M.
-$460K provision for credit losses against -$522K.
$3.0M net income against $2.6M.
0.71% return on assets against 0.62%; 2.94% net interest margin against 2.75%.
17.31% CET1 capital ratio against 14.82%; 12.04% tier 1 leverage ratio against 11.07%.
Inside the full Main Street Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMain Street Bank rankings
Its closest position to the top of a national ranking is 561 of 3,640, for Texas Ratio; its furthest is 3,007 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.44% (Q4 2025) to 0.75% (Q3 2025) and its net interest margin ran from 2.48% (Q4 2024) to 3.11% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.31% | 0.71% | 1.69% | 10.91% | 2.94% |
| Q1 2026 | 16.51% | 0.53% | 1.66% | 11.18% | 2.96% |
| Q4 2025 | 16.26% | 0.44% | 0.90% | 6.19% | 3.11% |
| Q3 2025 | 15.84% | 0.75% | 0.50% | 3.57% | 2.85% |
| Q2 2025 | 14.82% | 0.62% | 0.55% | 4.32% | 2.75% |
| Q1 2025 | 15.04% | 0.68% | 0.84% | 6.76% | 2.62% |
| Q4 2024 | 14.37% | 0.68% | 0.83% | 6.97% | 2.48% |
| Q3 2024 | 14.27% | 0.60% | 0.36% | 3.02% | 2.56% |
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 |
|---|---|---|---|
| Main Street Bank (main office) | Marlborough , MA | 01752 | $729.6M |
| North Middlesex Svgs Br | Ayer , MA | 01432 | $243.6M |
| Pepperell Branch | Pepperell , MA | 01463 | $126.7M |
| Hudson Branch | Hudson , MA | 01749 | $113.6M |
| Northborough Branch | Northborough , MA | 01532 | $91.9M |
| Southborough Branch | Southborough , MA | 01772 | $88.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2017 | Structure Change | Acquired North Middlesex Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MA, rank 38 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $925K approved, $462K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Main Street Bank
What are Main Street Bank's total assets?
As of the Q2 2026 filing, Main Street Bank reported total assets of $1.67 billion in its FFIEC call report.
Where is Main Street Bank headquartered?
It is headquartered in Marlborough, MA, United States.
When was Main Street Bank founded?
It was established in 1860, per the FDIC institution directory.
Is Main Street Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90235). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Main Street Bank?
Main Street Bank's primary federal regulator is the FDIC.
What is Main Street Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Main Street Bank 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 Main Street Bank's Texas Ratio?
Its Texas Ratio is 10.91% 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.
What was Main Street Bank previously called?
The charter now named Main Street Bank has also operated as Marlborough Savings Bank (1971-2017), per FDIC structure-change records.
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