Martha's Vineyard Bank
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Data as of · sourced from FFIEC call reports. How we update
Martha's Vineyard Bank is an FDIC-insured commercial bank headquartered in Edgartown, MA, established in 1955 (FDIC certificate 90190), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.33B, up 1.0% from Q2 2025, the 38th largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.75% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 90190
- Headquarters
- Edgartown, MA
- Established
- 1955
- Total assets, Q2 2026
- $1.33B
- Assets vs Q2 2025
- +1.0%
- Tier 1 leverage ratio, Q2 2026
- 11.75%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 211372925
- Holding company
- VINEYARD BANCORP MHC
- Asset rank in state
- 38th of 89 in Massachusetts
Martha's Vineyard Bank, based in Edgartown, Massachusetts, reported $1.3 billion in assets at June 30, 2026, up 1.0% from a year earlier. It returns 6.0% a year on shareholders' equity, about half the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it carries problem assets equal to 0.6% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Net income for the quarter rose 25% from a year earlier, to $2.2 million. Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Martha's Vineyard Bank reported a return on assets of 0.66%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.62%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Martha's Vineyard Bank is the 38th largest of the 89 banks headquartered in Massachusetts. Between Q1 2026 and Q2 2026, its total assets rose 2.4% to $1.33B, loans rose 0.8% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 71.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 10.9%. The FDIC Summary of Deposits lists 10 offices for it, in 6 cities in MA; its Vineyard Haven office books 29% of its branch deposits. On its Q2 2026 call report, Martha's Vineyard Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 78 Main St, Edgartown, MA 02539
- County
- Dukes
- Metro Area
- Vineyard Haven, MA
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 15, 1955
- Former names
- Martha's Vineyard Savings Bank (2007-2021); Dukes County Savings Bank (1974-2007)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 122
- Domestic deposits
- $1.07B
- Allowance for credit losses
- $8.9M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $1.32B
- Average total loans
- $1.12B
- Average interest-bearing deposits
- $770.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 4, 1985
- FDIC Cert
- 90190
- Fed RSSD
- 196800
- Website
- www.mvbank.com →
- Parent Holding Company
- VINEYARD BANCORP MHC (RSSD 5557826)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Martha's Vineyard Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Martha's Vineyard Bank's total assets ranged from $1.28B (Q4 2025) to $1.34B (Q2 2024), 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
$1.33B total assets against $1.31B; $1.18B total liabilities against $1.18B.
$1.12B net loans and leases against $1.12B; $1.07B total deposits against $1.06B.
$110.1M securities against $88.7M; $23.9M cash and balances due against $30.9M.
$14.4M total interest income against $13.7M; $4.6M total interest expense against $5.3M.
$9.8M net interest income against $8.4M.
$2.0M total noninterest income against $1.7M; $8.8M total noninterest expense against $7.6M.
$123K provision for credit losses against $110K.
$2.2M net income against $1.7M.
0.66% return on assets against 0.53%; 3.12% net interest margin against 2.67%.
11.75% tier 1 leverage ratio against 11.28%.
Inside the full Martha's Vineyard Bank 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.
Martha's Vineyard Bank rankings
Its closest position to the top of a national ranking is 823 of 4,196, for total assets; its furthest is 3,079 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.21% (Q4 2024) to 0.85% (Q4 2025) and its net interest margin ran from 2.27% (Q3 2024) to 3.14% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.75% | 0.66% | 0.09% | 0.62% | 3.12% |
| Q1 2026 | 11.86% | 0.65% | 0.07% | 0.49% | 3.03% |
| Q4 2025 | 11.55% | 0.85% | 0.07% | 0.51% | 3.14% |
| Q3 2025 | 11.43% | 0.72% | 0.54% | 4.03% | 2.92% |
| Q2 2025 | 11.28% | 0.53% | 0.04% | 0.33% | 2.67% |
| Q1 2025 | 11.21% | 0.51% | 0.01% | 0.06% | 2.51% |
| Q4 2024 | 11.04% | 0.21% | 0.01% | 0.08% | 2.49% |
| Q3 2024 | 10.87% | 0.39% | 0.01% | 0.05% | 2.27% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Martha's Vineyard Co-Operative Bank of Tisbury Branch | Vineyard Haven , MA | 02568 | $312.0M |
| Martha's Vineyard Bank (main office) | Edgartown , MA | 02539 | $194.8M |
| West Tisbury Branch | West Tisbury , MA | 02575 | $187.4M |
| Oak Bluffs Branch | Oak Bluffs , MA | 02557 | $106.6M |
| Four Flags Condominium Branch | Edgartown , MA | 02539 | $98.7M |
| Palmer Avenue Falmouth Branch | Falmouth , MA | 02540 | $62.2M |
| Village Green Branch | Falmouth , MA | 02540 | $37.4M |
| Chilmark Branch | Chilmark , MA | 02535 | $31.4M |
| Falmouth Branch | Falmouth , MA | 02543 | $24.6M |
| Oak Bluffs Branch | Oak Bluffs , MA | 02557 | $13.1M |
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 |
|---|---|---|---|
| November 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2007 | Structure Change | Acquired The Martha's Vineyard Co-operative Bank of Tisbury 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.
- Enforcement actions
- 1 against the institution (OCC)
- August 22, 1991, OCC: Formal Agreement: Martha's Vineyard National Bank
- Period: Most recent institution action August 22, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MA, rank 47 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 120 applications, 99 loans originated, $89.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $46K approved, $23K 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
- 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 Martha's Vineyard Bank
What are Martha's Vineyard Bank's total assets?
As of the Q2 2026 filing, Martha's Vineyard Bank reported total assets of $1.33 billion in its FFIEC call report.
Where is Martha's Vineyard Bank headquartered?
It is headquartered in Edgartown, MA, United States.
When was Martha's Vineyard Bank founded?
It was established in 1955, per the FDIC institution directory.
Is Martha's Vineyard Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #90190). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Martha's Vineyard Bank?
Martha's Vineyard Bank's primary federal regulator is the Federal Reserve.
How many branches does Martha's Vineyard Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Martha's Vineyard Bank's Texas Ratio?
Its Texas Ratio is 0.62% 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 Martha's Vineyard Bank previously called?
The charter now named Martha's Vineyard Bank has also operated as Martha's Vineyard Savings Bank (2007-2021), Dukes County Savings Bank (1974-2007), per FDIC structure-change records.
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