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Profitability · Massachusetts

US Banks with Highest Net Interest Margin (NIM) in Massachusetts

Ranked among banks headquartered in Massachusetts. Re-ranked 1-97 within the state from the same national ranking population.

#1 Net Interest Margin (NIM): NORTHERN BANK & TRUST COMPANY — 4.94% . Net Interest Margin (NIM) measures the spread between interest earned on assets and interest paid on liabilities — the core unit economics of a commercial bank.

Ranked: 97 banks with reported data Showing: Top 97 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry Go deeper: What Is Net Interest Margin? A Bank Profitability Guide
# Bank HQ US Banks with … Total Assets
1 Northern Bank & Trust Company Woburn , MA 4.94% $3.27B
2 Millbury National Bank Millbury , MA 4.75% $140.8M
3 Trunorth Bank Peabody , MA 4.39% $3.27B
4 Mechanics Cooperative Bank Taunton , MA 4.30% $878.9M
5 Fidelity Co-operative Bank Leominster , MA 4.17% $1.34B
6 Marblehead Bank Marblehead , MA 3.99% $263.0M
7 Rockland Trust Company Rockland , MA 3.98% $24.79B
8 Seamens Bank Provincetown , MA 3.88% $469.3M
9 Needham Bank Needham , MA 3.81% $7.17B
10 Beacon Bank & Trust Boston , MA 3.78% $22.18B
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11 Mountainone Bank North Adams , MA 3.76% $1.07B
12 Bankhometown Oxford , MA 3.67% $1.62B
13 Walpole Co-operative Bank Walpole , MA 3.66% $649.4M
14 Computershare Trust Company, N.A. Canton , MA 3.66% $1.13B
15 Bankprov Amesbury , MA 3.64% $1.49B
16 Bank of Canton, the Canton , MA 3.62% $792.8M
17 Bankgloucester Gloucester , MA 3.61% $384.4M
18 Lowell Five Cent Savings Bank, the Tewksbury , MA 3.61% $1.88B
19 Avidia Bank Hudson , MA 3.59% $2.80B
20 Webster Five Cents Savings Bank Webster , MA 3.57% $1.31B
21 Lee Bank Lee , MA 3.56% $578.5M
22 Eastern Bank Boston , MA 3.54% $30.62B
23 Enterprise Bank and Trust Company Lowell , MA 3.49% $4.95B
24 Eagle Bank Everett , MA 3.43% $680.2M
25 Onelocal Bank Norwood , MA 3.40% $1.06B
26 Monson Savings Bank Monson , MA 3.38% $814.0M
27 Berkshire Bank Pittsfield , MA 3.34% $12.03B
28 Bay State Savings Bank Worcester , MA 3.34% $585.4M
29 Reading Co-operative Bank Reading , MA 3.28% $1.18B
30 Bristol County Savings Bank Taunton , MA 3.27% $3.16B
31 Greenfield Savings Bank Greenfield , MA 3.27% $1.49B
32 Baycoast Bank Swansea , MA 3.26% $2.89B
33 Country Bank for Savings Ware , MA 3.23% $2.22B
34 Bankesb Easthampton , MA 3.21% $2.01B
35 Charles River Bank Medway , MA 3.19% $330.1M
36 Greenfield Co-operative Bank Greenfield , MA 3.18% $858.0M
37 Mutualone Bank Framingham , MA 3.17% $1.26B
38 Dean Co-operative Bank Franklin , MA 3.14% $493.3M
39 Pittsfield Co-operative Bank Pittsfield , MA 3.14% $444.7M
40 Cornerstone Bank Spencer , MA 3.10% $2.40B
41 North Easton Savings Bank South Easton , MA 3.09% $1.83B
42 Martha's Vineyard Bank Edgartown , MA 3.03% $1.30B
43 Methuen Co-operative Bank Methuen , MA 3.01% $143.3M
44 Main Street Bank Marlborough , MA 2.96% $1.61B
45 Watertown Savings Bank Watertown , MA 2.96% $1.44B
46 Savers Co-operative Bank Southbridge , MA 2.95% $797.8M
47 Canton Co-operative Bank Canton , MA 2.94% $153.8M
48 Unibank for Savings Whitinsville , MA 2.94% $2.92B
49 Westfield Bank Westfield , MA 2.93% $2.76B
50 Clinton Savings Bank Clinton , MA 2.92% $728.9M
51 North Brookfield Savings Bank North Brookfield , MA 2.91% $439.9M
52 New Valley Bank & Trust Springfield , MA 2.91% $381.1M
53 Cape & Coast Bank Yarmouth Port , MA 2.88% $1.67B
54 Stoughton Co-operative Bank Stoughton , MA 2.86% $134.2M
55 Cooperative Bank, the Roslindale , MA 2.86% $543.5M
56 Stonehambank Stoneham , MA 2.85% $902.8M
57 Dedham Institution for Savings Dedham , MA 2.83% $2.58B
58 South Shore Bank South Weymouth , MA 2.82% $2.56B
59 Cambridge Savings Bank Cambridge , MA 2.80% $6.91B
60 Commonwealth Cooperative Bank Hyde Park , MA 2.77% $209.4M
61 Coastal Heritage Bank Weymouth , MA 2.76% $985.4M
62 Newburyport Five Cents Savings Bank Newburyport , MA 2.75% $1.58B
63 Florence Bank Florence , MA 2.75% $2.02B
64 Cape Ann Savings Bank Gloucester , MA 2.74% $1.05B
65 Peoplesbank Holyoke , MA 2.73% $4.63B
66 Cape Cod Five Cents Savings Bank Hyannis , MA 2.73% $5.46B
67 Pentucket Bank Haverhill , MA 2.67% $1.11B
68 Winter Hill Bank, FSB Somerville , MA 2.66% $418.7M
69 Middlesex Federal Savings, F.A. Somerville , MA 2.62% $641.7M
70 Adams Community Bank Adams , MA 2.61% $1.03B
71 Middlesex Savings Bank Natick , MA 2.61% $6.15B
72 Washington Savings Bank Lowell , MA 2.56% $298.7M
73 Haverhill Bank Haverhill , MA 2.55% $638.1M
74 Athol Savings Bank Athol , MA 2.55% $677.8M
75 Savings Bank, the Wakefield , MA 2.55% $864.0M
76 Milford Federal Bank Milford , MA 2.54% $545.5M
77 Winchester Savings Bank Winchester , MA 2.53% $1.05B
78 Village Bank, the Auburndale , MA 2.52% $2.03B
79 Harborone Bank Brockton , MA 2.51% $5.63B
80 Salem Five Cents Savings Bank Salem , MA 2.51% $8.57B
81 East Cambridge Savings Bank Cambridge , MA 2.46% $1.67B
82 Everett Co-operative Bank Everett , MA 2.46% $1.65B
83 Fall River Five Cents Savings Bank Fall River , MA 2.41% $1.90B
84 National Grand Bank of Marblehead Marblehead , MA 2.41% $442.3M
85 Oneunited Bank Boston , MA 2.37% $609.0M
86 Leader Bank, N.A. Arlington , MA 2.35% $5.08B
87 Bluestone Bank Raynham , MA 2.34% $1.63B
88 Colonial Federal Savings Bank Quincy , MA 2.33% $358.8M
89 Winchester Co-operative Bank Winchester , MA 2.30% $931.7M
90 Bank of Easton North Easton , MA 2.20% $250.9M
91 Hingham Institution for Savings Hingham , MA 1.98% $4.55B
92 Rollstone Bank & Trust Fitchburg , MA 1.92% $836.0M
93 Wrentham Co-operative Bank Wrentham , MA 1.92% $195.0M
94 Wakefield Co-operative Bank Wakefield , MA 1.84% $305.8M
95 State Street Bank and Trust Company Boston , MA 1.31% $386.55B
96 Institution for Savings in Newburyport and Its Vicinity Newburyport , MA 1.30% $5.41B
97 42 North Private Bank Canton , MA 1.14% $176.4M

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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.

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