Middlesex Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Middlesex Savings Bank is an FDIC-insured commercial bank headquartered in Natick, MA, established in 1835 (FDIC certificate 90183), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $6.15B, up 0.8% from Q2 2025, the 8th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 18.24% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90183
- Headquarters
- Natick, MA
- Established
- 1835
- Total assets, Q2 2026
- $6.15B
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 18.24%
- Domestic offices
- 35 FDIC institution directory, current count
- Routing number
- 211371227
- Holding company
- MIDDLESEX BANCORP MHC
- Asset rank in state
- 8th of 89 in Massachusetts
Middlesex Savings Bank, based in Natick, Massachusetts, reported $6.1 billion in assets at June 30, 2026. It keeps 2.77 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). It also lost 1.1% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Earnings jumped: net income for the quarter was $13 million, 88% above the same quarter a year earlier. Over the same year, loans grew 6.4% and deposits shrank 1.1%. 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, Middlesex Savings Bank reported a CET1 capital ratio of 18.24%, a return on assets of 0.86%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 1.28%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Middlesex Savings Bank is the 8th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $6.15B, loans rose 2.2% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 42.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 32.0%. The FDIC Summary of Deposits lists 34 offices for it, in 30 cities in MA; its Natick 2 offices book 9% of its branch deposits. By the capital ratios in its Q2 2026 call report, Middlesex Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6 Main St, Natick, MA 01760
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 5, 1835
- Former names
- Middlesex Institution for Savings (1970-1982)
- Domestic offices
- 35 FDIC institution directory, current count
- Employees (FTE)
- 490
- Domestic deposits
- $5.18B
- Allowance for credit losses
- $34.0M
- Net charge-offs (YTD)
- $208K
- Average total assets
- $6.14B
- Average total loans
- $3.72B
- Average interest-bearing deposits
- $3.83B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- November 8, 1985
- FDIC Cert
- 90183
- Fed RSSD
- 888002
- Website
- www.middlesexbank.com →
- Parent Holding Company
- MIDDLESEX BANCORP MHC (RSSD 3932072)
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
Middlesex Savings Bank's total assets moved between a low of $5.98B (Q3 2024) and a high of $6.36B (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.15B total assets against $6.10B; $5.34B total liabilities against $5.36B.
$3.75B net loans and leases against $3.53B; $5.18B total deposits against $5.23B.
$1.92B securities against $2.07B; $107.2M cash and balances due against $160.4M.
$66.9M total interest income against $63.2M; $26.7M total interest expense against $30.4M.
$40.2M net interest income against $32.9M.
$4.9M total noninterest income against $3.9M; $28.6M total noninterest expense against $27.0M.
-$415K provision for credit losses against $931K.
$13.2M net income against $7.0M.
0.86% return on assets against 0.46%; 2.77% net interest margin against 2.26%.
18.24% CET1 capital ratio against 17.53%; 13.44% tier 1 leverage ratio against 12.72%.
Inside the full Middlesex Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMiddlesex Savings Bank rankings
Its closest position to the top of a national ranking is 239 of 4,196, for total assets; its furthest is 771 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.22% (Q4 2024) to 0.86% (Q2 2026) and its net interest margin ran from 1.96% (Q3 2024) to 2.77% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.24% | 0.86% | 0.33% | 1.28% | 2.77% |
| Q1 2026 | 18.02% | 0.59% | 0.20% | 0.87% | 2.61% |
| Q4 2025 | 17.89% | 0.59% | 0.20% | 0.86% | 2.54% |
| Q3 2025 | 17.98% | 0.83% | 0.21% | 0.94% | 2.45% |
| Q2 2025 | 17.53% | 0.46% | 0.19% | 0.91% | 2.26% |
| Q1 2025 | 17.38% | 0.28% | 0.06% | 0.30% | 2.07% |
| Q4 2024 | 17.02% | -0.22% | 0.09% | 0.43% | 2.05% |
| Q3 2024 | 17.13% | 0.35% | 0.10% | 0.51% | 1.96% |
Swipe the table sideways to see every column.
Branch Network
View all 34 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 |
|---|---|---|---|
| Middlesex Savings Bank (main office) | Natick , MA | 01760 | $459.0M |
| Concord Branch | Concord , MA | 01742 | $326.7M |
| Acton Branch | Acton , MA | 01720 | $311.9M |
| HomePhone Banking Branch Information Center | Westborough , MA | 01581 | $299.6M |
| Westford Branch | Westford , MA | 01886 | $280.1M |
| Hopkinton Branch | Hopkinton , MA | 01748 | $256.3M |
| Wayland Branch | Cochituate , MA | 01778 | $243.8M |
| Ashland Branch | Ashland , MA | 01721 | $204.2M |
| Maynard - Digital Way Branch | Maynard , MA | 01754 | $190.0M |
| Sudbury Branch | Sudbury , MA | 01776 | $183.8M |
| Framingham Branch | Framingham , MA | 01701 | $182.2M |
| West Concord Branch | West Concord , MA | 01742 | $176.2M |
| Littleton Branch | Littleton , MA | 01460 | $168.3M |
| Millis Branch | Millis , MA | 02054 | $162.8M |
| Holliston Branch | Holliston , MA | 01746 | $162.0M |
| Franklin Branch | Franklin , MA | 02038 | $159.1M |
| Medway Branch | Medway , MA | 02053 | $146.9M |
| Bedford Branch | Bedford , MA | 01730 | $127.4M |
| Southborough Branch | Southborough , MA | 01772 | $120.4M |
| Groton Branch | Groton , MA | 01450 | $114.8M |
| Needham Branch | Needham , MA | 02492 | $114.8M |
| Boxborough Branch | Boxborough , MA | 01719 | $111.3M |
| Bellingham Branch | Bellingham , MA | 02019 | $106.0M |
| Wellesley Branch | Wellesley , MA | 02481 | $101.6M |
| Medfield Branch | Medfield , MA | 02052 | $86.9M |
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 |
|---|---|---|---|
| July 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2009 | Structure Change | Acquired Strata Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 2, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1988 | Structure Change | Acquired Assabet Institution for Savings Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1982 | Structure Change | Acquired Natick Five Cents 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in MA, rank 13 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,456 applications, 1,177 loans originated, $457.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $406K approved, $81K 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 Middlesex Savings Bank
What are Middlesex Savings Bank's total assets?
As of the Q2 2026 filing, Middlesex Savings Bank reported total assets of $6.15 billion in its FFIEC call report.
Where is Middlesex Savings Bank headquartered?
It is headquartered in Natick, MA, United States.
When was Middlesex Savings Bank founded?
It was established in 1835, per the FDIC institution directory.
Is Middlesex Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #90183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Middlesex Savings Bank?
Middlesex Savings Bank's primary federal regulator is the FDIC.
What is Middlesex Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Middlesex Savings Bank operate?
It operates 35 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Middlesex Savings Bank's Texas Ratio?
Its Texas Ratio is 1.28% 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 Middlesex Savings Bank previously called?
The charter now named Middlesex Savings Bank has also operated as Middlesex Institution for Savings (1970-1982), per FDIC structure-change records.
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