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Asset Quality · Massachusetts

US Banks with Lowest Texas Ratio (Cleanest Credit) in Massachusetts

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

#1 Texas Ratio (Cleanest Credit): MIDDLESEX FEDERAL SAVINGS, F.A. — 0.00% . A Texas Ratio under 25% indicates a healthy credit profile — the bank's non-performing assets are well-covered by its capital and reserves.

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 the Texas Ratio? A Bank Failure Warning Sign
# Bank HQ US Banks with … Total Assets
1 Middlesex Federal Savings, F.A. Somerville , MA 0.00% $641.7M
2 Colonial Federal Savings Bank Quincy , MA 0.00% $358.8M
3 Stoughton Co-operative Bank Stoughton , MA 0.00% $134.2M
4 National Grand Bank of Marblehead Marblehead , MA 0.00% $442.3M
5 Wrentham Co-operative Bank Wrentham , MA 0.00% $195.0M
6 Computershare Trust Company, N.A. Canton , MA 0.00% $1.13B
7 Bank of Easton North Easton , MA 0.01% $250.9M
8 Institution for Savings in Newburyport and Its Vicinity Newburyport , MA 0.12% $5.41B
9 Winter Hill Bank, FSB Somerville , MA 0.16% $418.7M
10 Leader Bank, N.A. Arlington , MA 0.22% $5.08B
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11 42 North Private Bank Canton , MA 0.29% $176.4M
12 Canton Co-operative Bank Canton , MA 0.32% $153.8M
13 Stonehambank Stoneham , MA 0.33% $902.8M
14 Mechanics Cooperative Bank Taunton , MA 0.51% $878.9M
15 Dean Co-operative Bank Franklin , MA 0.65% $493.3M
16 Martha's Vineyard Bank Edgartown , MA 0.65% $1.30B
17 Rollstone Bank & Trust Fitchburg , MA 0.71% $836.0M
18 Everett Co-operative Bank Everett , MA 0.73% $1.65B
19 Monson Savings Bank Monson , MA 0.81% $814.0M
20 Eagle Bank Everett , MA 0.85% $680.2M
21 Middlesex Savings Bank Natick , MA 0.89% $6.15B
22 Watertown Savings Bank Watertown , MA 0.99% $1.44B
23 Haverhill Bank Haverhill , MA 1.19% $638.1M
24 East Cambridge Savings Bank Cambridge , MA 1.21% $1.67B
25 Oneunited Bank Boston , MA 1.27% $609.0M
26 Onelocal Bank Norwood , MA 1.32% $1.06B
27 State Street Bank and Trust Company Boston , MA 1.40% $386.55B
28 South Shore Bank South Weymouth , MA 1.45% $2.56B
29 Cape Ann Savings Bank Gloucester , MA 1.47% $1.05B
30 North Brookfield Savings Bank North Brookfield , MA 1.55% $439.9M
31 Walpole Co-operative Bank Walpole , MA 1.59% $649.4M
32 Winchester Savings Bank Winchester , MA 1.59% $1.05B
33 Westfield Bank Westfield , MA 1.78% $2.76B
34 Pittsfield Co-operative Bank Pittsfield , MA 1.99% $444.7M
35 Reading Co-operative Bank Reading , MA 1.99% $1.18B
36 Seamens Bank Provincetown , MA 2.01% $469.3M
37 Commonwealth Cooperative Bank Hyde Park , MA 2.25% $209.4M
38 Florence Bank Florence , MA 2.78% $2.02B
39 Winchester Co-operative Bank Winchester , MA 2.98% $931.7M
40 Trunorth Bank Peabody , MA 3.17% $3.27B
41 Cape Cod Five Cents Savings Bank Hyannis , MA 3.21% $5.46B
42 Milford Federal Bank Milford , MA 3.35% $545.5M
43 Adams Community Bank Adams , MA 3.42% $1.03B
44 Greenfield Savings Bank Greenfield , MA 3.65% $1.49B
45 Bristol County Savings Bank Taunton , MA 3.80% $3.16B
46 Village Bank, the Auburndale , MA 3.84% $2.03B
47 Salem Five Cents Savings Bank Salem , MA 3.85% $8.57B
48 Marblehead Bank Marblehead , MA 3.98% $263.0M
49 Cornerstone Bank Spencer , MA 4.04% $2.40B
50 Bay State Savings Bank Worcester , MA 4.10% $585.4M
51 Avidia Bank Hudson , MA 4.92% $2.80B
52 Rockland Trust Company Rockland , MA 4.93% $24.79B
53 North Easton Savings Bank South Easton , MA 5.19% $1.83B
54 Wakefield Co-operative Bank Wakefield , MA 5.20% $305.8M
55 Pentucket Bank Haverhill , MA 5.28% $1.11B
56 Athol Savings Bank Athol , MA 5.38% $677.8M
57 Bank of Canton, the Canton , MA 5.48% $792.8M
58 Peoplesbank Holyoke , MA 5.53% $4.63B
59 Lowell Five Cent Savings Bank, the Tewksbury , MA 5.53% $1.88B
60 Unibank for Savings Whitinsville , MA 5.62% $2.92B
61 Charles River Bank Medway , MA 5.70% $330.1M
62 Enterprise Bank and Trust Company Lowell , MA 5.88% $4.95B
63 Bluestone Bank Raynham , MA 5.99% $1.63B
64 Washington Savings Bank Lowell , MA 6.00% $298.7M
65 Greenfield Co-operative Bank Greenfield , MA 6.02% $858.0M
66 Country Bank for Savings Ware , MA 6.20% $2.22B
67 Eastern Bank Boston , MA 6.50% $30.62B
68 Lee Bank Lee , MA 6.63% $578.5M
69 Fall River Five Cents Savings Bank Fall River , MA 6.67% $1.90B
70 Bankesb Easthampton , MA 6.73% $2.01B
71 Cooperative Bank, the Roslindale , MA 6.83% $543.5M
72 Needham Bank Needham , MA 6.85% $7.17B
73 Webster Five Cents Savings Bank Webster , MA 7.08% $1.31B
74 Dedham Institution for Savings Dedham , MA 7.14% $2.58B
75 Beacon Bank & Trust Boston , MA 7.16% $22.18B
76 Hingham Institution for Savings Hingham , MA 7.77% $4.55B
77 Berkshire Bank Pittsfield , MA 7.86% $12.03B
78 Methuen Co-operative Bank Methuen , MA 8.40% $143.3M
79 Cape & Coast Bank Yarmouth Port , MA 8.98% $1.67B
80 Savings Bank, the Wakefield , MA 9.64% $864.0M
81 Main Street Bank Marlborough , MA 11.18% $1.61B
82 Cambridge Savings Bank Cambridge , MA 11.35% $6.91B
83 Coastal Heritage Bank Weymouth , MA 12.09% $985.4M
84 Mountainone Bank North Adams , MA 12.18% $1.07B
85 Harborone Bank Brockton , MA 12.32% $5.63B
86 Baycoast Bank Swansea , MA 14.77% $2.89B
87 Clinton Savings Bank Clinton , MA 15.66% $728.9M
88 Millbury National Bank Millbury , MA 15.83% $140.8M
89 Bankhometown Oxford , MA 16.84% $1.62B
90 Savers Co-operative Bank Southbridge , MA 17.93% $797.8M
91 Newburyport Five Cents Savings Bank Newburyport , MA 19.46% $1.58B
92 New Valley Bank & Trust Springfield , MA 21.73% $381.1M
93 Mutualone Bank Framingham , MA 22.37% $1.26B
94 Bankgloucester Gloucester , MA 26.08% $384.4M
95 Northern Bank & Trust Company Woburn , MA 27.74% $3.27B
96 Bankprov Amesbury , MA 28.32% $1.49B
97 Fidelity Co-operative Bank Leominster , MA 33.88% $1.34B

More Asset Quality rankings

US Banks with Highest Texas Ratio US Banks with Highest Non-Performing Loan (NPL) Ratio US Banks with Highest Net Charge-Off Ratio US Banks with Highest Non-Performing Asset (NPA) Ratio

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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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