Massachusetts bank rankings, Q2 2026
88 FDIC-insured banks are headquartered in Massachusetts, holding $632.21B in combined assets as of Q2 2026. The median bank has $1.08B in assets, earns a 0.60% return on assets, and runs a 74.59% efficiency ratio.
Highest return on assets among community banks
- Northern Bank & Trust Company Woburn 1.90%
- Cape Ann Savings Bank Gloucester 1.72%
- Haverhill Bank Haverhill 1.53%
- Mechanics Cooperative Bank Taunton 1.24%
- MountainOne Bank North Adams 1.22%
- Walpole Co-operative Bank Walpole 1.13%
- Institution for Savings in Newburyport and Its Vicinity Newburyport 1.05%
- Needham Bank Needham 1.01%
- Monson Savings Bank Monson 0.99%
- Lee Bank Lee 0.99%
Most efficient community banks (lowest efficiency ratio)
- Northern Bank & Trust Company Woburn 47.08%
- Mechanics Cooperative Bank Taunton 56.07%
- Everett Co-operative Bank Everett 56.47%
- Walpole Co-operative Bank Walpole 57.21%
- Needham Bank Needham 58.00%
- Cape Ann Savings Bank Gloucester 58.55%
- Bank of Easton North Easton 59.22%
- OneLocal Bank Norwood 60.55%
- The Lowell Five Cent Savings Bank Tewksbury 61.71%
- Leader Bank, National Association Arlington 63.41%
Top-ten lists include FDIC-designated community banks with at least $100M in assets; trust companies and specialty subsidiaries appear in the full table only.
Every Massachusetts bank
| Bank | Assets | ROA | Efficiency | NIM |
|---|---|---|---|---|
| State Street Bank and Trust Company Boston | $412.62B | 0.97% | 66.12% | 1.24% |
| Eastern Bank Boston | $31.13B | 1.13% | 56.83% | 3.60% |
| Rockland Trust Company Rockland | $24.97B | 1.41% | 51.41% | 3.98% |
| Beacon Bank and Trust Boston | $22.20B | 1.05% | 56.07% | 3.79% |
| Salem Five Cents Savings Bank Salem | $8.82B | 0.96% | 56.03% | 2.58% |
| Needham Bank Needham | $7.42B | 1.01% | 58.00% | 3.89% |
| Cambridge Savings Bank Cambridge | $6.98B | 0.36% | 75.88% | 2.80% |
| Middlesex Savings Bank Natick | $6.15B | 0.72% | 68.19% | 2.72% |
| The Cape Cod Five Cents Savings Bank Hyannis | $5.62B | 0.74% | 71.81% | 2.78% |
| Institution for Savings in Newburyport and Its Vicinity Newburyport | $5.56B | 1.05% | 73.96% | 1.31% |
| Leader Bank, National Association Arlington | $5.28B | 0.84% | 63.41% | 2.52% |
| PeoplesBank Holyoke | $4.62B | 0.43% | 69.35% | 2.76% |
| Hingham Institution for Savings Hingham | $4.56B | 1.24% | 36.27% | 2.07% |
| Northern Bank & Trust Company Woburn | $3.38B | 1.90% | 47.08% | 5.02% |
| Bristol County Savings Bank Taunton | $3.26B | 0.63% | 77.07% | 3.40% |
| UniBank for Savings Whitinsville | $3.11B | 1.06% | 58.06% | 3.10% |
| BayCoast Bank Swansea | $2.86B | 0.51% | 84.34% | 3.41% |
| Avidia Bank Hudson | $2.77B | 0.98% | 65.25% | 3.67% |
| Westfield Bank Westfield | $2.73B | 0.73% | 67.76% | 3.03% |
| Dedham Institution for Savings Dedham | $2.60B | 0.88% | 73.16% | 2.89% |
| Cornerstone Bank Spencer | $2.57B | 0.63% | 81.02% | 3.46% |
| South Shore Bank South Weymouth | $2.52B | 0.71% | 68.88% | 2.86% |
| Country Bank for Savings Ware | $2.24B | 0.81% | 69.99% | 3.39% |
| The Village Bank Newton | $2.07B | 0.48% | 75.85% | 2.62% |
| TruNorth Bank Easthampton | $2.02B | 0.52% | 69.60% | 3.29% |
| Florence Bank Florence | $2.01B | 0.72% | 68.27% | 2.85% |
| The Lowell Five Cent Savings Bank Tewksbury | $1.90B | 0.77% | 61.71% | 3.73% |
| Fall River Five Cents Savings Bank Fall River | $1.86B | 0.39% | 83.45% | 2.53% |
| North Easton Savings Bank South Easton | $1.84B | 0.76% | 70.92% | 3.10% |
| Cape & Coast Bank Yarmouth Port | $1.68B | 0.52% | 77.41% | 2.99% |
| Everett Co-operative Bank Everett | $1.67B | 0.77% | 56.47% | 2.47% |
| Main Street Bank Marlborough | $1.67B | 0.63% | 73.44% | 3.01% |
| East Cambridge Savings Bank Cambridge | $1.66B | 0.38% | 81.42% | 2.61% |
| Bluestone Bank Raynham | $1.62B | 0.30% | 83.08% | 2.43% |
| Newburyport Five Cents Savings Bank Newburyport | $1.57B | 0.39% | 88.78% | 2.86% |
| Greenfield Savings Bank Greenfield | $1.52B | 0.59% | 76.51% | 3.04% |
| Watertown Savings Bank Watertown | $1.44B | 0.78% | 67.51% | 3.06% |
| Martha's Vineyard Bank Edgartown | $1.33B | 0.65% | 75.21% | 3.14% |
| Fidelity Co-operative Bank Leominster | $1.31B | 0.80% | 68.63% | 4.29% |
| Webster Five Cents Savings Bank Webster | $1.31B | 0.87% | 69.70% | 3.71% |
| MutualOne Bank Framingham | $1.22B | 0.88% | 71.49% | 3.32% |
| Reading Co-operative Bank Reading | $1.19B | 0.42% | 80.79% | 3.32% |
| Pentucket Bank Haverhill | $1.12B | 0.74% | 84.38% | 2.77% |
| Winchester Savings Bank Winchester | $1.09B | 0.42% | 73.92% | 2.61% |
| MountainOne Bank North Adams | $1.08B | 1.22% | 66.99% | 3.81% |
| Cape Ann Savings Bank Gloucester | $1.07B | 1.72% | 58.55% | 2.78% |
| OneLocal Bank Norwood | $1.05B | 0.99% | 60.55% | 3.55% |
| Adams Community Bank Adams | $1.01B | 0.49% | 76.71% | 2.70% |
| Coastal Heritage Bank Weymouth | $984M | 0.37% | 80.84% | 2.84% |
| Winchester Co-operative Bank Winchester | $947M | 0.61% | 66.13% | 2.30% |
| StonehamBank, A Co-operative Bank Stoneham | $918M | 0.51% | 75.73% | 3.00% |
| Greenfield Co-operative Bank Greenfield | $902M | 0.57% | 76.75% | 3.24% |
| Mechanics Cooperative Bank Taunton | $899M | 1.24% | 56.07% | 4.33% |
| The Savings Bank Wakefield | $891M | 0.44% | 94.41% | 2.64% |
| Rollstone Bank & Trust Fitchburg | $816M | 0.07% | 99.08% | 2.00% |
| Monson Savings Bank Monson | $806M | 0.99% | 66.43% | 3.49% |
| Savers Co-operative Bank Southbridge | $783M | 0.68% | 70.90% | 3.13% |
| The Bank of Canton Canton | $783M | 0.51% | 73.92% | 3.65% |
| Clinton Savings Bank Clinton | $745M | 0.35% | 93.16% | 2.98% |
| Eagle Bank Everett | $709M | 0.35% | 84.14% | 3.47% |
| Middlesex Federal Savings, F.A. Somerville | $654M | 0.14% | 93.09% | 2.72% |
| Walpole Co-operative Bank Walpole | $646M | 1.13% | 57.21% | 3.82% |
| OneUnited Bank Boston | $638M | -0.80% | 107.54% | 2.18% |
| Haverhill Bank Haverhill | $637M | 1.53% | 84.66% | 2.69% |
| Lee Bank Lee | $591M | 0.99% | 70.90% | 3.63% |
| Bay State Savings Bank Worcester | $580M | 0.51% | 81.59% | 3.38% |
| The Cooperative Bank Roslindale | $548M | 0.06% | 97.16% | 2.89% |
| Milford Federal Bank Milford | $545M | 0.33% | 84.79% | 2.63% |
| Dean Co-operative Bank Franklin | $494M | 0.39% | 86.55% | 3.26% |
| Seamen's Bank Provincetown | $478M | 0.60% | 80.62% | 3.94% |
| The Pittsfield Co-operative Bank Pittsfield | $452M | 0.20% | 93.62% | 3.13% |
| North Brookfield Savings Bank North Brookfield | $449M | 0.56% | 78.42% | 2.96% |
| The National Grand Bank of Marblehead Marblehead | $445M | 0.60% | 72.72% | 2.48% |
| Winter Hill Bank, FSB Somerville | $408M | 0.12% | 96.93% | 2.66% |
| BankGloucester Gloucester | $387M | 0.42% | 83.20% | 3.76% |
| New Valley Bank & Trust Springfield | $385M | 0.08% | 94.11% | 2.82% |
| Charles River Bank Medway | $336M | 0.41% | 83.68% | 3.34% |
| Washington Savings Bank Lowell | $302M | 0.23% | 90.15% | 2.66% |
| Marblehead Bank Marblehead | $263M | 0.44% | 86.28% | 3.99% |
| Bank of Easton North Easton | $249M | 0.71% | 59.22% | 2.21% |
| Commonwealth Co-operative Bank Hyde Park | $205M | 0.37% | 78.96% | 2.83% |
| Wrentham Co-operative Bank Wrentham | $193M | 0.04% | 98.00% | 2.05% |
| 42 North Private Bank Canton | $182M | -3.86% | 481.58% | 1.03% |
| Canton Co-operative Bank Canton | $155M | 0.41% | 81.53% | 3.08% |
| Millbury National Bank Millbury | $147M | 0.85% | 70.17% | 4.93% |
| Methuen Co-operative Bank Methuen | $141M | 0.45% | 81.40% | 3.13% |
| Stoughton Co-operative Bank Stoughton | $135M | 0.70% | 68.42% | 2.92% |
| North Cambridge Co-operative Bank Cambridge | $87M | 0.15% | 95.80% | 2.94% |
Method
Banks are FDIC-insured institutions headquartered in Massachusetts with a call report for the quarter ending 06/30/2026. Return on assets and net interest margin are annualized year to date; the efficiency ratio is noninterest expense over revenue, so lower is better. Credit unions are NCUA-insured and not included. Click any bank for its comparison with same-size peers, or look up a bank in another state.