National Grand Bank of Marblehead
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Data as of · sourced from FFIEC call reports. How we update
National Grand Bank of Marblehead is an FDIC-insured commercial bank headquartered in Marblehead, MA, supervised by the OCC, with $444.8M in total assets at Q2 2026, up 0.7% from Q2 2025, the 73rd largest of 89 banks headquartered in Massachusetts. It was established in 1831 and holds FDIC certificate 2608. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.31% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2608
- Headquarters
- Marblehead, MA
- Established
- 1831
- Total assets, Q2 2026
- $444.8M
- Assets vs Q2 2025
- +0.7%
- Tier 1 leverage ratio, Q2 2026
- 10.31%
- Domestic offices
- 2 · National Grand Bank of Marblehead branches FDIC institution directory, current count
- Routing number
- 011304300
- Safety and soundness
- Is National Grand Bank of Marblehead safe?
- Latest call report
- Q2 2026, FFIEC 051 · National Grand Bank of Marblehead Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- GRAND BANK CORPORATION
- Asset rank in state
- 73rd of 89 in Massachusetts
National Grand Bank of Marblehead, based in Marblehead, Massachusetts, reported $445 million in assets at June 30, 2026. It keeps 2.51 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). On the other hand, it holds commercial real estate loans equal to only 9% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter rose 15% from a year earlier, to $646,000. Over the same year, loans grew 3.0% and deposits shrank 0.3%. Profitability lags: it earns about $0.58 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, National Grand Bank of Marblehead reported a return on assets of 0.58%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.35%. The figures come from its call report filed with the FFIEC.
National Grand Bank of Marblehead ranks as the 73rd largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $444.8M, loans rose 2.2% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 95.1% of total loans, followed by owner-occupied commercial real estate loans at 1.8%. The FDIC Summary of Deposits lists 2 offices for it, in Marblehead, MA. Judged on its Q2 2026 call report, National Grand Bank of Marblehead meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 91 Pleasant St, Marblehead, MA 01945
- County
- Essex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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 051
- Established
- January 1, 1831
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $365.8M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $448.4M
- Average total loans
- $326.1M
- Average interest-bearing deposits
- $255.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2608
- Fed RSSD
- 863607
- Website
- ngbank.com →
- Parent Holding Company
- GRAND BANK CORPORATION (RSSD 1115406)
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, National Grand Bank of Marblehead reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, National Grand Bank of Marblehead's total assets ran between $418.1M (Q3 2023) and $445.4M (Q4 2025), 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
$444.8M total assets against $441.8M; $403.4M total liabilities against $402.9M.
$329.9M net loans and leases against $320.0M; $365.8M total deposits against $367.1M.
$79.5M securities against $83.0M; $21.5M cash and balances due against $24.7M.
$4.5M total interest income against $4.5M; $1.8M total interest expense against $2.0M.
$2.7M net interest income against $2.4M.
$376K total noninterest income against $360K; $2.3M total noninterest expense against $2.0M.
-$8K provision for credit losses against $72K.
$646K net income against $561K.
0.58% return on assets against 0.50%; 2.51% net interest margin against 2.27%.
10.31% tier 1 leverage ratio against 10.01%.
Inside the full National Grand Bank of Marblehead terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNational Grand Bank of Marblehead rankings
Its closest position to the top of a national ranking is 1,920 of 4,196, for total assets; its furthest is 3,160 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.36% (Q3 2024) to 0.68% (Q4 2025) and its net interest margin ran from 2.02% (Q3 2024) to 2.51% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.31% | 0.58% | 0.05% | 0.35% | 2.51% |
| Q1 2026 | 10.21% | 0.61% | 0.00% | 0.00% | 2.41% |
| Q4 2025 | 10.22% | 0.68% | 0.00% | 0.00% | 2.41% |
| Q3 2025 | 9.99% | 0.53% | 0.00% | 0.00% | 2.23% |
| Q2 2025 | 10.01% | 0.50% | 0.00% | 0.00% | 2.27% |
| Q1 2025 | 10.02% | 0.41% | 0.00% | 0.00% | 2.14% |
| Q4 2024 | 10.28% | 0.39% | 0.00% | 0.00% | 2.06% |
| Q3 2024 | 10.30% | 0.36% | 0.06% | 0.47% | 2.02% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| The National Grand Bank of Marblehead | Marblehead , MA | 01945 | $364.0M |
| Marblehead High School Branch | Marblehead , MA | 01945 | $1.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- February 26, 1991, OCC: Formal Agreement: National Grand Bank Of Marblehead
- Period: Most recent institution action February 26, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MA, rank 84 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 43 applications, 40 loans originated, $26.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $168K approved, $168K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 National Grand Bank of Marblehead
What are National Grand Bank of Marblehead's total assets?
As of the Q2 2026 filing, National Grand Bank of Marblehead reported total assets of $444.8 million in its FFIEC call report.
Where is National Grand Bank of Marblehead headquartered?
It is headquartered in Marblehead, MA, United States.
When was National Grand Bank of Marblehead founded?
It was established in 1831, per the FDIC institution directory.
Is National Grand Bank of Marblehead FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2608). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates National Grand Bank of Marblehead?
National Grand Bank of Marblehead's primary federal regulator is the OCC.
How many branches does National Grand Bank of Marblehead operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is National Grand Bank of Marblehead's Texas Ratio?
Its Texas Ratio is 0.35% 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.
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