Marblehead Bank
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Data as of · sourced from FFIEC call reports. How we update
Marblehead Bank is an FDIC-insured commercial bank headquartered in Marblehead, MA, established in 1871 (FDIC certificate 90234), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $262.5M, up 2.2% from Q2 2025, the 79th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 16.99% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 90234
- Headquarters
- Marblehead, MA
- Established
- 1871
- Total assets, Q2 2026
- $262.5M
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 16.99%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 211372996
- Asset rank in state
- 79th of 89 in Massachusetts
Marblehead Bank spends more to run itself than most banks of its size. Its balance sheet stood at $263 million at June 30, 2026, up 2.2% from a year earlier; it is based in Marblehead, Massachusetts. It earns about $0.44 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $291,000, 69% above the same quarter a year earlier. Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.30% of loans, against 0.10% a year earlier.
As of June 30, 2026, Marblehead Bank reported a CET1 capital ratio of 16.99%, a return on assets of 0.44%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Marblehead Bank is the 79th largest of the 89 banks headquartered in Massachusetts. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $262.5M, loans rose 0.1% and deposits fell 0.3%. 1-4 family residential loans made up 81.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 6.1%. Its 3 offices in the FDIC Summary of Deposits are in Marblehead, MA and Salem, MA; its Marblehead 2 offices book 93% of its branch deposits. Judged on its Q2 2026 call report, Marblehead Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 21 Atlantic Ave, Marblehead, MA 01945
- County
- Essex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 18, 1871
- Former names
- Marblehead Savings Bank (1975-2008)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $229.4M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $265.4M
- Average total loans
- $211.5M
- Average interest-bearing deposits
- $192.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- September 17, 1985
- FDIC Cert
- 90234
- Fed RSSD
- 816304
- Website
- www.marblebank.com →
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
Marblehead Bank's total assets moved between a low of $254.4M (Q3 2025) and a high of $269.9M (Q1 2025) 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
$262.5M total assets against $257.0M; $236.1M total liabilities against $231.3M.
$211.4M net loans and leases against $211.4M; $229.4M total deposits against $225.6M.
$15.4M securities against $16.4M; $21.6M cash and balances due against $16.4M.
$3.0M total interest income against $2.9M; $522K total interest expense against $538K.
$2.5M net interest income against $2.4M.
$215K total noninterest income against $216K; $2.3M total noninterest expense against $2.3M.
$25K provision for credit losses against $105K.
$291K net income against $172K.
0.44% return on assets against 0.26%; 3.97% net interest margin against 3.88%.
16.99% CET1 capital ratio against 16.26%; 10.11% tier 1 leverage ratio against 9.87%.
Inside the full Marblehead Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMarblehead Bank rankings
Its closest position to the top of a national ranking is 588 of 2,134, for CET1 ratio; its furthest is 3,378 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.26% (Q2 2025) to 0.50% (Q3 2024) and its net interest margin ran from 3.88% (Q2 2025) to 4.00% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.99% | 0.44% | 0.30% | 2.28% | 3.97% |
| Q1 2026 | 16.99% | 0.45% | 0.51% | 3.98% | 3.99% |
| Q4 2025 | 16.72% | 0.43% | 0.22% | 1.66% | 3.89% |
| Q3 2025 | 16.66% | 0.45% | 0.10% | 0.80% | 3.98% |
| Q2 2025 | 16.26% | 0.26% | 0.10% | 0.83% | 3.88% |
| Q1 2025 | 16.55% | 0.49% | 0.12% | 0.93% | 3.90% |
| Q4 2024 | 16.20% | 0.32% | 0.12% | 0.99% | 3.90% |
| Q3 2024 | 16.61% | 0.50% | 0.11% | 0.90% | 4.00% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Marblehead Bank (main office) | Marblehead , MA | 01945 | $155.5M |
| Humphrey Street Branch | Marblehead , MA | 01945 | $57.1M |
| Canal Street Branch | Salem , MA | 01970 | $16.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 92 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (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 Marblehead Bank
What are Marblehead Bank's total assets?
As of the Q2 2026 filing, Marblehead Bank reported total assets of $262.5 million in its FFIEC call report.
Where is Marblehead Bank headquartered?
It is headquartered in Marblehead, MA, United States.
When was Marblehead Bank founded?
It was established in 1871, per the FDIC institution directory.
Is Marblehead Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #90234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Marblehead Bank?
Marblehead Bank's primary federal regulator is the Federal Reserve.
What is Marblehead Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.99% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Marblehead Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Marblehead Bank's Texas Ratio?
Its Texas Ratio is 2.28% 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 Marblehead Bank previously called?
The charter now named Marblehead Bank has also operated as Marblehead Savings Bank (1975-2008), per FDIC structure-change records.
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