Asset Quality ranking · Massachusetts · Call report data as of September 30, 2026
Massachusetts Banks: Highest CRE Delinquency
State Street Bank and Trust Company has the highest commercial real estate noncurrent rate of the 75 ranked banks headquartered in Massachusetts, at 22.30% as of September 30, 2026. The median among the 75 ranked Massachusetts banks is 0.31%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 1.37%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Massachusetts banks by commercial real estate noncurrent rate. For the largest banks headquartered in Massachusetts, see largest banks in Massachusetts.
- No. 1 in Massachusetts
- State Street Bank and Trust Company
- Its CRE noncurrent
- 22.30%
- Massachusetts median
- 0.31%
- Banks ranked
- 75
Ranked among banks headquartered in Massachusetts, numbered 1 to 75 within the state from the same population as the national list. Browse every bank in the Massachusetts bank directory.
Top 75 Massachusetts banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Massachusetts median of 0.31%. Missing values show as a dash and sort last.
| 1 | State Street Bank and Trust Company Boston, MA | 22.30% | $397.45B $100B and over |
| 2 | Fidelity Co-Operative Bank Leominster, MA | 8.56% | $1.28B $1B to $10B |
| 3 | The Bank of Canton Canton, MA | 8.30% | $780.9M $100M to $1B |
| 4 | Savers Co-Operative Bank Southbridge, MA | 6.90% | $766.5M $100M to $1B |
| 5 | Main Street Bank Marlborough, MA | 5.91% | $1.64B $1B to $10B |
| 6 | Greenfield Co-Operative Bank Greenfield, MA | 4.72% | $904.3M $100M to $1B |
| 7 | North Easton Savings Bank South Easton, MA | 3.73% | $1.88B $1B to $10B |
| 8 | Trunorth Bank Easthampton, MA | 3.57% | $6.80B $1B to $10B |
| 9 | Cambridge Savings Bank Cambridge, MA | 3.36% | $7.09B $1B to $10B |
| 10 | Newburyport Five Cents Savings Bank Newburyport, MA | 3.26% | $1.58B $1B to $10B |
| 11 | Mutualone Bank Framingham, MA | 2.70% | $1.14B $1B to $10B |
| 12 | BayCoast Bank Swansea, MA | 2.58% | $2.95B $1B to $10B |
| 13 | North Brookfield Savings Bank North Brookfield, MA | 2.45% | $440.4M $100M to $1B |
| 14 | New Valley Bank & Trust Springfield, MA | 1.91% | $371.8M $100M to $1B |
| 15 | Country Bank for Savings Ware, MA | 1.85% | $2.29B $1B to $10B |
| 16 | Mountainone Bank North Adams, MA | 1.57% | $1.07B $1B to $10B |
| 17 | The Lowell Five Cent Savings Bank Tewksbury, MA | 1.54% | $1.87B $1B to $10B |
| 18 | Bristol County Savings Bank Taunton, MA | 1.51% | $3.21B $1B to $10B |
| 19 | Beacon Bank & Trust Boston, MA | 1.43% | $21.83B $10B to $100B |
| 20 | Bluestone Bank Raynham, MA | 1.31% | $1.60B $1B to $10B |
| 21 | Coastal Heritage Bank Weymouth, MA | 1.30% | $962.3M $100M to $1B |
| 22 | Rockland Trust Company Rockland, MA | 1.23% | $25.01B $10B to $100B |
| 23 | Winchester Savings Bank Winchester, MA | 1.13% | $1.13B $1B to $10B |
| 24 | Pentucket Bank Haverhill, MA | 1.12% | $1.14B $1B to $10B |
| 25 | Dedham Institution for Savings Dedham, MA | 1.10% | $2.64B $1B to $10B |
| 26 | Fall River Five Cents Savings Bank Fall River, MA | 1.08% | $1.87B $1B to $10B |
| 27 | Middlesex Savings Bank Natick, MA | 1.07% | $6.14B $1B to $10B |
| 28 | Stonehambank Stoneham, MA | 1.05% | $914.4M $100M to $1B |
| 29 | Onelocal Bank Norwood, MA | 1.05% | $1.07B $1B to $10B |
| 30 | Avidia Bank Hudson, MA | 0.93% | $2.77B $1B to $10B |
| 31 | Millbury National Bank Millbury, MA | 0.83% | $152.4M $100M to $1B |
| 32 | Eastern Bank Boston, MA | 0.70% | $31.69B $10B to $100B |
| 33 | Needham Bank Needham, MA | 0.59% | $7.65B $1B to $10B |
| 34 | Lee Bank Lee, MA | 0.50% | $591.6M $100M to $1B |
| 35 | Salem Five Cents Savings Bank Salem, MA | 0.45% | $9.00B $1B to $10B |
| 36 | Watertown Savings Bank Watertown, MA | 0.42% | $1.44B $1B to $10B |
| 37 | Bankgloucester Gloucester, MA | 0.35% | $380.1M $100M to $1B |
| 38 | Clinton Savings Bank Clinton, MA | 0.31% | $742.5M $100M to $1B |
| 39 | Cape Ann Savings Bank Gloucester, MA | 0.28% | $1.06B $1B to $10B |
| 40 | Westfield Bank Westfield, MA | 0.25% | $2.74B $1B to $10B |
| 41 | The Cooperative Bank Roslindale, MA | 0.22% | $549.4M $100M to $1B |
| 42 | Seamens Bank Provincetown, MA | 0.22% | $505.3M $100M to $1B |
| 43 | Cape & Coast Bank Yarmouth Port, MA | 0.20% | $1.73B $1B to $10B |
| 44 | Greenfield Savings Bank Greenfield, MA | 0.19% | $1.59B $1B to $10B |
| 45 | Cornerstone Bank Spencer, MA | 0.19% | $2.60B $1B to $10B |
| 46 | Reading Co-Operative Bank Reading, MA | 0.17% | $1.20B $1B to $10B |
| 47 | South Shore Bank South Weymouth, MA | 0.16% | $2.53B $1B to $10B |
| 48 | Cape Cod Five Cents Savings Bank Hyannis, MA | 0.08% | $5.68B $1B to $10B |
| 49 | Northern Bank & Trust Company Woburn, MA | 0.05% | $3.32B $1B to $10B |
| 50 | East Cambridge Savings Bank Cambridge, MA | 0.03% | $1.68B $1B to $10B |
| 51 | Institution for Savings in Newburyport and Its Vicinity Newburyport, MA | 0.00% | $5.53B $1B to $10B |
| 52 | Leader Bank, N.A. Arlington, MA | 0.00% | $5.44B $1B to $10B |
| 53 | PeoplesBank Holyoke, MA | 0.00% | $4.67B $1B to $10B |
| 54 | Hingham Institution for Savings Hingham, MA | 0.00% | $4.58B $1B to $10B |
| 55 | Unibank for Savings Whitinsville, MA | 0.00% | $3.00B $1B to $10B |
| 56 | The Village Bank Auburndale, MA | 0.00% | $2.10B $1B to $10B |
| 57 | Florence Bank Florence, MA | 0.00% | $2.04B $1B to $10B |
| 58 | Everett Co-Operative Bank Everett, MA | 0.00% | $1.69B $1B to $10B |
| 59 | Martha's Vineyard Bank Edgartown, MA | 0.00% | $1.33B $1B to $10B |
| 60 | Webster Five Cents Savings Bank Webster, MA | 0.00% | $1.31B $1B to $10B |
| 61 | Adams Community Bank Pittsfield, MA | 0.00% | $993.2M $100M to $1B |
| 62 | Winchester Co-Operative Bank Winchester, MA | 0.00% | $932.7M $100M to $1B |
| 63 | The Savings Bank Wakefield, MA | 0.00% | $913.8M $100M to $1B |
| 64 | Mechanics Cooperative Bank Taunton, MA | 0.00% | $889.3M $100M to $1B |
| 65 | Monson Savings Bank Monson, MA | 0.00% | $816.1M $100M to $1B |
| 66 | Rollstone Bank & Trust Fitchburg, MA | 0.00% | $811.6M $100M to $1B |
| 67 | Eagle Bank Everett, MA | 0.00% | $750.5M $100M to $1B |
| 68 | Walpole Co-Operative Bank Walpole, MA | 0.00% | $655.1M $100M to $1B |
| 69 | Middlesex Federal Savings, F.A. Somerville, MA | 0.00% | $640.2M $100M to $1B |
| 70 | Haverhill Bank Haverhill, MA | 0.00% | $632.2M $100M to $1B |
| 71 | Bay State Savings Bank Worcester, MA | 0.00% | $578.4M $100M to $1B |
| 72 | Dean Co-Operative Bank Franklin, MA | 0.00% | $501.4M $100M to $1B |
| 73 | The Pittsfield Co-operative Bank Pittsfield, MA | 0.00% | $459.9M $100M to $1B |
| 74 | Charles River Bank Medway, MA | 0.00% | $334.4M $100M to $1B |
| 75 | Washington Savings Bank Lowell, MA | 0.00% | $303.3M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 75 banks headquartered in Massachusetts that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Massachusetts has the highest commercial real estate noncurrent rate?
State Street Bank and Trust Company has the highest commercial real estate noncurrent rate of the 75 ranked banks headquartered in Massachusetts, at 22.30% as of September 30, 2026, according to its FFIEC call report. Fidelity Co-Operative Bank ranks second at 8.56%. The median is 0.31%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Massachusetts rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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