Middlesex Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 249.53 percentage points lower than in Q1 2026, at 227.90%. Middlesex Savings Bank ranks 29th of 89 Massachusetts banks on return on assets, in the upper half at 0.86% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Middlesex Savings Bank sits 0.41 points lower, at 0.86% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.24% |
| Tier 1 risk-based capital ratio | 18.24% |
| Total risk-based capital ratio | 19.01% |
| Tier 1 leverage ratio | 13.44% |
| Equity capital to assets | 13.14% |
| Tangible equity to tangible assets | 12.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 1.80% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 227.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.86% |
| Return on equity | 6.61% |
| Net interest margin | 2.77% |
| Efficiency ratio | 63.22% |
| Yield on earning assets | 4.61% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.19% |
| Core deposits to total deposits | 88.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.18% |
| Securities to assets | 31.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.94% | 15.94% | 16.61% | 12.15% | 0.46% |
| Q4 2023 | 15.97% | 15.97% | 16.99% | 11.91% | -0.59% |
| Q1 2024 | 16.12% | 16.12% | 17.11% | 11.94% | 0.15% |
| Q2 2024 | 16.62% | 16.62% | 17.24% | 12.16% | 0.52% |
| Q3 2024 | 17.13% | 17.13% | 17.73% | 12.80% | 0.35% |
| Q4 2024 | 17.02% | 17.02% | 17.80% | 12.54% | -0.22% |
| Q1 2025 | 17.38% | 17.38% | 18.17% | 12.66% | 0.28% |
| Q2 2025 | 17.53% | 17.53% | 18.34% | 12.72% | 0.46% |
| Q3 2025 | 17.98% | 17.98% | 18.80% | 12.92% | 0.83% |
| Q4 2025 | 17.89% | 17.89% | 18.69% | 13.06% | 0.59% |
| Q1 2026 | 18.02% | 18.02% | 18.81% | 13.25% | 0.59% |
| Q2 2026 | 18.24% | 18.24% | 19.01% | 13.44% | 0.86% |
Middlesex Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Middlesex Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Middlesex Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90183) · FFIEC NIC profile (RSSD 888002)