Skip to main content

Liquidity & Balance Sheet · Massachusetts

US Banks with Highest Loan-to-Deposit Ratio in Massachusetts

Ranked among banks headquartered in Massachusetts. Re-ranked 1-96 within the state from the same national ranking population.

#1 Loan-to-Deposit Ratio: HINGHAM INSTITUTION FOR SAVINGS — 149.75% . The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.

Ranked: 96 banks with reported data Showing: Top 96 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry Go deeper: What Is the Loan-to-Deposit Ratio? A Bank Guide
# Bank HQ US Banks with … Total Assets
1 Hingham Institution for Savings Hingham , MA 149.75% $4.55B
2 Institution for Savings in Newburyport and Its Vicinity Newburyport , MA 126.62% $5.41B
3 Everett Co-operative Bank Everett , MA 115.77% $1.65B
4 Bankgloucester Gloucester , MA 114.12% $384.4M
5 42 North Private Bank Canton , MA 112.18% $176.4M
6 Salem Five Cents Savings Bank Salem , MA 110.28% $8.57B
7 Savers Co-operative Bank Southbridge , MA 109.52% $797.8M
8 Onelocal Bank Norwood , MA 108.20% $1.06B
9 Harborone Bank Brockton , MA 107.40% $5.63B
10 Martha's Vineyard Bank Edgartown , MA 107.17% $1.30B
Full financials, 24-year trends & peer benchmarks on every institution — free. Start free →
11 Newburyport Five Cents Savings Bank Newburyport , MA 107.01% $1.58B
12 Mechanics Cooperative Bank Taunton , MA 106.98% $878.9M
13 Winchester Savings Bank Winchester , MA 106.86% $1.05B
14 Walpole Co-operative Bank Walpole , MA 106.82% $649.4M
15 Northern Bank & Trust Company Woburn , MA 106.77% $3.27B
16 Cape & Coast Bank Yarmouth Port , MA 104.65% $1.67B
17 Fall River Five Cents Savings Bank Fall River , MA 104.35% $1.90B
18 Milford Federal Bank Milford , MA 104.24% $545.5M
19 Country Bank for Savings Ware , MA 103.96% $2.22B
20 Cambridge Savings Bank Cambridge , MA 103.86% $6.91B
21 Leader Bank, N.A. Arlington , MA 103.32% $5.08B
22 Pittsfield Co-operative Bank Pittsfield , MA 103.05% $444.7M
23 Mountainone Bank North Adams , MA 102.95% $1.07B
24 Needham Bank Needham , MA 102.80% $7.17B
25 Avidia Bank Hudson , MA 102.54% $2.80B
26 Peoplesbank Holyoke , MA 102.52% $4.63B
27 Pentucket Bank Haverhill , MA 102.29% $1.11B
28 Bankprov Amesbury , MA 101.70% $1.49B
29 Adams Community Bank Adams , MA 101.33% $1.03B
30 Cape Cod Five Cents Savings Bank Hyannis , MA 100.55% $5.46B
31 Bristol County Savings Bank Taunton , MA 100.44% $3.16B
32 Winter Hill Bank, FSB Somerville , MA 99.07% $418.7M
33 Cooperative Bank, the Roslindale , MA 98.46% $543.5M
34 Coastal Heritage Bank Weymouth , MA 98.26% $985.4M
35 Washington Savings Bank Lowell , MA 97.94% $298.7M
36 Webster Five Cents Savings Bank Webster , MA 97.93% $1.31B
37 Greenfield Savings Bank Greenfield , MA 97.79% $1.49B
38 Dedham Institution for Savings Dedham , MA 97.50% $2.58B
39 Beacon Bank & Trust Boston , MA 97.22% $22.18B
40 Wakefield Co-operative Bank Wakefield , MA 96.70% $305.8M
41 Stonehambank Stoneham , MA 96.47% $902.8M
42 Cornerstone Bank Spencer , MA 95.65% $2.40B
43 East Cambridge Savings Bank Cambridge , MA 95.58% $1.67B
44 Mutualone Bank Framingham , MA 95.53% $1.26B
45 Main Street Bank Marlborough , MA 95.29% $1.61B
46 Commonwealth Cooperative Bank Hyde Park , MA 94.82% $209.4M
47 Stoughton Co-operative Bank Stoughton , MA 94.25% $134.2M
48 Berkshire Bank Pittsfield , MA 93.71% $12.03B
49 Enterprise Bank and Trust Company Lowell , MA 93.21% $4.95B
50 Haverhill Bank Haverhill , MA 93.10% $638.1M
51 Middlesex Federal Savings, F.A. Somerville , MA 92.89% $641.7M
52 Eagle Bank Everett , MA 92.85% $680.2M
53 Bluestone Bank Raynham , MA 92.41% $1.63B
54 Westfield Bank Westfield , MA 92.34% $2.76B
55 Marblehead Bank Marblehead , MA 92.30% $263.0M
56 Millbury National Bank Millbury , MA 92.14% $140.8M
57 Trunorth Bank Peabody , MA 92.07% $3.27B
58 Baycoast Bank Swansea , MA 91.66% $2.89B
59 Lowell Five Cent Savings Bank, the Tewksbury , MA 91.55% $1.88B
60 Village Bank, the Auburndale , MA 91.52% $2.03B
61 Bankesb Easthampton , MA 91.45% $2.01B
62 Cape Ann Savings Bank Gloucester , MA 91.23% $1.05B
63 Rockland Trust Company Rockland , MA 91.12% $24.79B
64 Eastern Bank Boston , MA 90.67% $30.62B
65 Bankhometown Oxford , MA 90.53% $1.62B
66 Reading Co-operative Bank Reading , MA 90.36% $1.18B
67 Winchester Co-operative Bank Winchester , MA 90.08% $931.7M
68 Bay State Savings Bank Worcester , MA 90.07% $585.4M
69 Fidelity Co-operative Bank Leominster , MA 90.04% $1.34B
70 Unibank for Savings Whitinsville , MA 89.38% $2.92B
71 Seamens Bank Provincetown , MA 88.88% $469.3M
72 National Grand Bank of Marblehead Marblehead , MA 88.85% $442.3M
73 Clinton Savings Bank Clinton , MA 88.77% $728.9M
74 Monson Savings Bank Monson , MA 86.89% $814.0M
75 Rollstone Bank & Trust Fitchburg , MA 86.26% $836.0M
76 Lee Bank Lee , MA 85.77% $578.5M
77 Oneunited Bank Boston , MA 84.10% $609.0M
78 North Easton Savings Bank South Easton , MA 83.71% $1.83B
79 Canton Co-operative Bank Canton , MA 82.43% $153.8M
80 Dean Co-operative Bank Franklin , MA 82.14% $493.3M
81 Savings Bank, the Wakefield , MA 81.41% $864.0M
82 New Valley Bank & Trust Springfield , MA 81.35% $381.1M
83 Methuen Co-operative Bank Methuen , MA 80.76% $143.3M
84 Bank of Canton, the Canton , MA 80.02% $792.8M
85 North Brookfield Savings Bank North Brookfield , MA 78.53% $439.9M
86 Athol Savings Bank Athol , MA 77.88% $677.8M
87 Charles River Bank Medway , MA 76.51% $330.1M
88 South Shore Bank South Weymouth , MA 74.65% $2.56B
89 Middlesex Savings Bank Natick , MA 71.18% $6.15B
90 Florence Bank Florence , MA 70.49% $2.02B
91 Greenfield Co-operative Bank Greenfield , MA 70.33% $858.0M
92 Colonial Federal Savings Bank Quincy , MA 65.23% $358.8M
93 Wrentham Co-operative Bank Wrentham , MA 63.36% $195.0M
94 Bank of Easton North Easton , MA 53.82% $250.9M
95 Watertown Savings Bank Watertown , MA 50.29% $1.44B
96 State Street Bank and Trust Company Boston , MA 16.48% $386.55B

More Liquidity & Balance Sheet rankings

US Banks with Highest Share of Uninsured Deposits US Banks with Highest Core Deposit Ratio

Go past the leaderboard — open any bank for its full financials, 24-year trends, and peer percentiles. Free, no card required.

Start free — no card required

All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

Explore more: all rankings · glossary · browse all banks