The catalogue › United States › New England › Massachusetts
The state note · prepared 7 September 2026

Massachusetts

91 banks and 122 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

91 banks filing · read from the 30 June 2026 Call Report
91
banks filing
$637B in assets
+3.1%
Loans, year over year
median; 13 above 10%, 25 shrinking
29.9%
CRE / loans
median
93.4%
Loans / deposits
median
0.46%
NPA / loans
median
10.2%
Equity / assets
median

Massachusetts's 91 banks hold $637B in assets at 30 June 2026. State Street Bank & Trust Co. is the largest at $413B, and the five largest hold 78% of the total; 50 institutions are above $1B, holding $616B.

Loans grew a median +3.1% in the year to 30 June 2026: 13 institutions grew faster than 10% and 25 shrank. The median bank lends 93% of its deposits and holds commercial real estate at 29.9% of loans. Nonperforming loans sit at a median 0.46% of the book, return on assets at 0.61%, and equity at 10.2% of assets.

39 of the 91 are in the catalogue, each read from its own filing beside the banks its size in the state: State Street Bank & Trust Co., Eastern Bank, Rockland Trust Co., Beacon Bank & Trust, Salem Five Cents Savings Bank, Needham Bank, Cambridge Savings Bank, Middlesex Savings Bank, Cape Cod Five Cents Savings Bank, Institution Savings Newburyport &, Leader Bank National Association, Peoplesbank, Hingham Institution for Savings, Northern Bank & Trust Co., Trunorth Bank, Bristol County Savings Bank, Baycoast Bank, Avidia Bank, Westfield Bank, Dedham Institution for Savings, Cornerstone Bank, South Shore Bank, Country Bank for Savings, Village Bank, Bankesb, Florence Bank, Lowell Five Cent Savings Bank, Newburyport Five Cents Savings Bank, Mountainone Bank, Coastal Heritage Bank, Winchester Coop Bank, Stonehambank A Coop Bank, Greenfield Coop Bank, Mechanics Coop Bank, Savings Bank, Rollstone Bank & Trust, Monson Savings Bank, Savers Coop Bank, Bank of Canton.

Who holds the state's assetseach institution's share of the $637B the state's 91 hold; the largest first, amber in the catalogue
State Street Bank & Trust Co.: 64.8%SS65%Eastern Bank: 4.9%EBRockland Trust Co.: 3.9%RTBeacon Bank & Trust: 3.5%BBSalem Five Cents Savings Bank: 1.4%Needham Bank: 1.2%Cambridge Savings Bank: 1.1%Middlesex Savings Bank: 1.0%Cape Cod Five Cents Savings Bank: 0.9%Institution Savings Newburyport &: 0.9%81 others 17%SSState Street Bank & T…64.8%EBEastern Bank4.9%RTRockland Trust Co.3.9%BBBeacon Bank & Trust3.5%SFSalem Five Cents Savi…1.4%NBNeedham Bank1.2%CSCambridge Savings Bank1.1%MSMiddlesex Savings Bank1.0%CCCape Cod Five Cents S…0.9%ISInstitution Savings N…0.9%

State Street Bank & Trust Co. holds 64.8% of the state's bank assets; the five largest hold 78%, and 50 of the 91 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestState Street Bank & Trust…: 65% of the totalThe five largest78% of the totalThe ten largest83% of the totalGINI0.90 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 78% of the assets in 5% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end26.4%$59.5BOther loans and leases22.5%$50.7BNonfarm nonresidential, non-owner-occupied16.2%$36.6BMultifamily9.0%$20.2BCommercial & industrial8.7%$19.7BNonfarm nonresidential, owner-occupied6.4%$14.3BConstruction & land4.3%$9.7BHome equity lines3.7%$8.3BStates & municipalities1.5%$3.3BConsumer, other1.1%$2.5BAuto0.2%$506MAgricultural production0.0%$84MFarmland0.0%$32MCredit card0.0%$6M

1-4 family residential, closed-end is the largest category at 26.4% of the state's $225B in loans, then Other loans and leases at 22.5% and Nonfarm nonresidential, non-owner-occupied at 16.2%.

Loans, year over yearMassachusetts banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 90 · amber, in the catalogue
state median +3.1% BB Beacon Bank & Trust +229.1% NB Needham Bank +42.8% CB Cornerstone Bank +38.0% EB Eastern Bank +27.3% RT Rockland Trust Co. +26.6% PC Pittsfield Coop Bank +19.7% GS Greenfield Savings Bank +19.4% WS Winchester Savings Bank +15.9% EB Eagle Bank +14.6% MN Millbury National Bank +14.4% SS State Street Bank & Trust Co. +10.3% LB Leader Bank National Association +10.2% BS Bay State Savings Bank +10.2% LF Lowell Five Cent Savings Bank +9.0% BC Bristol County Savings Bank +8.9% EC Everett Coop Bank +8.5% CC Canton Coop Bank +8.0% GC Greenfield Coop Bank +7.9% MB Mountainone Bank +7.9% SS South Shore Bank +7.7% TB Trunorth Bank +7.5% MS Monson Savings Bank +7.3% MC Mechanics Coop Bank +7.0% WC Winchester Coop Bank +6.8% SF Salem Five Cents Savings Bank +6.7%

Beacon Bank & Trust grew fastest at +229.1%; 13 grew faster than 10% and 25 shrank, Mutualone Bank the most at -17.3%. The median is +3.1%.

Commercial real estate, share of loansMassachusetts banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 90 · amber, in the catalogue
state median 29.9% OB Oneunited Bank 97.4% HI Hingham Institution for Savings 71.6% WC Walpole Coop Bank 64.3% WF Webster Five Cents Savings Bank 59.7% LF Lowell Five Cent Savings Bank 58.1% EC Everett Coop Bank 57.1% CB Country Bank for Savings 54.9% RB Rollstone Bank & Trust 53.6% MB Mountainone Bank 51.7% OB Onelocal Bank 50.8% SC Savers Coop Bank 48.8% MC Mechanics Coop Bank 48.3% WS Winchester Savings Bank 45.6% B Bankhometown 45.5% CS Cambridge Savings Bank 45.0% RT Rockland Trust Co. 44.4% MS Middlesex Savings Bank 44.4% SS South Shore Bank 44.4% MF Middlesex Federal Savings Fa 44.2% BB Beacon Bank & Trust 43.8% Bo Bank of Canton 43.2% EB Eagle Bank 41.9% NB Needham Bank 40.5% MB Mutualone Bank 40.0% WB Westfield Bank 39.9%

Oneunited Bank is the most CRE-weighted at 97.4% of loans; 24 of the 91 are above 40%, against a median of 29.9%.

Commercial real estate against capital, the 300% screenMassachusetts banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 91 · amber, in the catalogue
state median 216% 300% screen OB Oneunited Bank 609% HI Hingham Institution for Savings 525% EC Everett Coop Bank 463% WS Winchester Savings Bank 390% MF Middlesex Federal Savings Fa 366% WF Webster Five Cents Savings Bank 357% RB Rollstone Bank & Trust 341% CS Cambridge Savings Bank 339% BB Beacon Bank & Trust 336% LF Lowell Five Cent Savings Bank 331% EB Eagle Bank 330% SC Savers Coop Bank 329% OB Onelocal Bank 320% WB Westfield Bank 315% NB Needham Bank 314% MC Mechanics Coop Bank 314% BB Baycoast Bank 303% B Bankhometown 298% NF Newburyport Five Cents Savings Ba… 294% WC Walpole Coop Bank 294% MS Monson Savings Bank 292% CB Country Bank for Savings 289% B Bankesb 281% RC Reading Coop Bank 281% SS South Shore Bank 279%

17 of the 91 banks sit above the 300% screen, Oneunited Bank the highest at 609% of capital; the median is 216%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenMassachusetts banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 91 · amber, in the catalogue
state median 31% 100% screen VB Village Bank 132% OB Onelocal Bank 123% WS Winchester Savings Bank 113% MN Millbury National Bank 110% MB Mountainone Bank 106% DI Dedham Institution for Savings 98% MC Mechanics Coop Bank 97% LF Lowell Five Cent Savings Bank 94% NB Needham Bank 91% SA Stonehambank A Coop Bank 83% WC Walpole Coop Bank 83% MF Middlesex Federal Savings Fa 81% HB Haverhill Bank 81% BB Bluestone Bank 79% B Bankgloucester 72% NB Northern Bank & Trust Co. 68% BB Baycoast Bank 63% WF Webster Five Cents Savings Bank 62% NF Newburyport Five Cents Savings Ba… 58% RC Reading Coop Bank 58% EB Eagle Bank 57% MS Monson Savings Bank 57% SC Savers Coop Bank 55% EC Everett Coop Bank 55% SB Savings Bank 55%

5 of the 91 banks sit above the 100% construction screen, Village Bank the highest at 132%; the median is 31%.

Loans to depositsMassachusetts banks, 30 June 2026 · listed highest first · the 25 highest of 90 · amber, in the catalogue
state median 93% HI Hingham Institution for Savings 150% IS Institution Savings Newburyport & 126% EC Everett Coop Bank 117% SF Salem Five Cents Savings Bank 113% B Bankgloucester 110% NP 42 North Private Bank 110% MC Mechanics Coop Bank 110% WC Walpole Coop Bank 109% SC Savers Coop Bank 109% CS Cambridge Savings Bank 109% OB Onelocal Bank 108% MB Mountainone Bank 108% WS Winchester Savings Bank 107% PC Pittsfield Coop Bank 106% MV Marthas Vineyard Bank 106% FR Fall River Five Cents Savings Bank 105% CC Cape & Coast Bank 104% NF Newburyport Five Cents Savings Ba… 104% BC Bristol County Savings Bank 104% MF Milford Federal Bank 103% NB Northern Bank & Trust Co. 103% LB Leader Bank National Association 103% NB Needham Bank 103% PB Pentucket Bank 102% CB Country Bank for Savings 102%

31 of the 91 lend more than they hold in deposits, Hingham Institution for Savings the furthest at 150%; the median is 93%.

Nonperforming loans, share of loansMassachusetts banks, 30 June 2026 · listed highest first · the 25 highest of 90 · amber, in the catalogue
state median 0.46% MB Mutualone Bank 5.92% FC Fidelity Coop Bank 4.44% SC Savers Coop Bank 3.64% B Bankgloucester 2.98% B Bankhometown 2.74% NV New Valley Bank & Trust 2.34% NB Northern Bank & Trust Co. 2.07% MS Main Street Bank 1.69% B Bankesb 1.67% NF Newburyport Five Cents Savings Ba… 1.66% NE North Easton Savings Bank 1.64% BB Baycoast Bank 1.45% CS Cambridge Savings Bank 1.26% DI Dedham Institution for Savings 1.15% CB Country Bank for Savings 1.14% MB Mountainone Bank 1.06% MC Methuen Coop Bank 1.05% BB Bluestone Bank 1.04% LF Lowell Five Cent Savings Bank 1.03% CC Cape & Coast Bank 0.94% BB Beacon Bank & Trust 0.90% Bo Bank of Canton 0.90% PB Pentucket Bank 0.79% HI Hingham Institution for Savings 0.78% SB Seamens Bank 0.76%

Mutualone Bank carries the most nonperforming loans at 5.92% of the book; 19 of the 91 are above 1%, and the median is 0.46%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.20%0.40%0.60%0.80%1.00%1.20%1.40%NPA / loansAllowance / loansNP42 North Private Bank+1.21%WCWalpole Coop Bank+1.18%MFMiddlesex Federal Savings Fa+1.15%NCNorth Cambridge Coop Bank+1.02%EBEastern Bank+0.93%LBLeader Bank National Association+0.92%SFSalem Five Cents Savings Bank+0.85%NBNeedham Bank+0.84%MCMechanics Coop Bank+0.83%EBEagle Bank+0.82%UfUnibank for Savings+0.80%DCDean Coop Bank+0.74%MVMarthas Vineyard Bank+0.71%RBRollstone Bank & Trust+0.70%CSClinton Savings Bank+0.69%SAStonehambank A Coop Bank+0.69%SCStoughton Coop Bank+0.68%OBOnelocal Bank+0.67%SSSouth Shore Bank+0.67%HBHaverhill Bank+0.66%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 25 of the 91 hold an allowance smaller than their nonperforming loans.

Return on assetsMassachusetts banks, 30 June 2026 · listed highest first · the 25 highest of 91 · amber, in the catalogue
state median 0.61% WT Wellington Trust Co. N.A. 5.85% NB Northern Bank & Trust Co. 1.89% CA Cape Ann Savings Bank 1.70% HB Haverhill Bank 1.50% RT Rockland Trust Co. 1.43% HI Hingham Institution for Savings 1.25% MC Mechanics Coop Bank 1.24% MB Mountainone Bank 1.20% WC Walpole Coop Bank 1.13% EB Eastern Bank 1.12% BB Beacon Bank & Trust 1.07% IS Institution Savings Newburyport & 1.05% TB Trunorth Bank 1.04% SS State Street Bank & Trust Co. 1.04% NB Needham Bank 1.01% AB Avidia Bank 0.99% LB Lee Bank 0.99% Uf Unibank for Savings 0.99% OB Onelocal Bank 0.97% SF Salem Five Cents Savings Bank 0.96% MS Monson Savings Bank 0.95% MB Mutualone Bank 0.88% DI Dedham Institution for Savings 0.87% WF Webster Five Cents Savings Bank 0.87% MN Millbury National Bank 0.85%

Wellington Trust Co. N.A. earns the most at 5.85% and 42 North Private Bank the least at -3.87%; 35 of the 91 earn under 0.50%, and the median is 0.61%.

The efficiency ratio, with the return beside itMassachusetts banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 91 · amber, in the catalogue
state median 75.2% HI Hingham Institution for Savings 36.3% ROA 1.25% NB Northern Bank & Trust Co. 47.1% ROA 1.89% RT Rockland Trust Co. 54.0% ROA 1.43% EC Everett Coop Bank 56.5% ROA 0.77% SF Salem Five Cents Savings Bank 56.7% ROA 0.96% WC Walpole Coop Bank 57.2% ROA 1.13% Uf Unibank for Savings 58.1% ROA 0.99% CA Cape Ann Savings Bank 58.6% ROA 1.70% B Bankhometown 58.9% ROA 0.64% Bo Bank of Easton 59.2% ROA 0.70% NB Needham Bank 59.3% ROA 1.01% BB Beacon Bank & Trust 59.9% ROA 1.07% EB Eastern Bank 60.7% ROA 1.12% TB Trunorth Bank 60.9% ROA 1.04% MC Mechanics Coop Bank 61.5% ROA 1.24% LF Lowell Five Cent Savings Bank 61.7% ROA 0.75% OB Onelocal Bank 62.4% ROA 0.97% LB Leader Bank National Association 63.4% ROA 0.85% AB Avidia Bank 65.3% ROA 0.99% WC Winchester Coop Bank 66.1% ROA 0.61% MS Monson Savings Bank 66.4% ROA 0.95% WS Watertown Savings Bank 67.5% ROA 0.78% SS State Street Bank & Trust Co. 67.6% ROA 1.04% WB Westfield Bank 68.2% ROA 0.73% MS Middlesex Savings Bank 68.2% ROA 0.72%

Hingham Institution for Savings runs the leanest at 36.3% of revenue in cost; 34 of the 91 spend more than 80 cents of every revenue dollar, and the median is 75.2%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
State Street Bank & Trust Co.$413B+10.3%4.4%16%0.56%1.04%7.1%
Eastern Bank$31.1B+27.3%35.6%89%0.47%1.12%13.0%
Rockland Trust Co.$25.0B+26.6%44.4%90%0.56%1.43%15.6%
Beacon Bank & Trust$22.2B+229.1%43.8%96%0.90%1.07%11.4%
Salem Five Cents Savings Bank$8.8B+6.7%36.2%113%0.36%0.96%11.5%
Needham Bank$7.4B+42.8%40.5%103%0.43%1.01%10.9%
Cambridge Savings Bank$7.0B+0.9%45.0%109%1.26%0.36%10.2%
Middlesex Savings Bank$6.1B+6.4%44.4%73%0.33%0.72%13.1%
Cape Cod Five Cents Savings Bank$5.6B-5.1%11.2%96%0.47%0.75%10.6%
Institution Savings Newburyport &$5.6B+2.6%21.1%126%0.04%1.05%12.5%
Leader Bank National Association$5.3B+10.2%32.3%103%0.03%0.85%10.5%
Peoplesbank$4.6B+3.1%34.8%100%0.57%0.42%8.9%
Hingham Institution for Savings$4.6B-0.7%71.6%150%0.78%1.25%11.1%
Northern Bank & Trust Co.$3.4B+3.8%32.3%103%2.07%1.89%14.1%
Trunorth Bank$3.3B+7.5%39.4%93%0.58%1.04%14.7%
Five years, 2021 to 2026the 91 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$132B$225B+71%
Deposits, in total$392B$508B+30%
NPA / loans, median0.41%0.46%+0.06 pts
Efficiency, median74.3%75.2%+0.9 pts
ROA, median0.75%0.61%-0.14 pts

Small-business lending

SBA 7(a) approvals into Massachusetts since FY2008, across every lender type

$6.4B of 7(a) credit has been approved into Massachusetts since FY2008 across 31,983 loans. Accommodation & food services is the largest category at 12.3%, Retail trade at 11.6%, Health care & social assistance at 11.0%; the three together are 35% of the money. The heaviest losses fall in Finance & insurance, at 3.20% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 309 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans SB Santander Bank, National Associat… 1.9% $124M · 1,158 loans WF Wells Fargo Bank National Associa… 1.8% $113M · 173 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services13.0%$784M · 3,411 loansRetail trade12.3%$741M · 3,687 loansHealth care & social assistance11.7%$707M · 2,572 loansProfessional & technical services11.7%$706M · 4,165 loansConstruction11.2%$677M · 4,691 loansManufacturing9.3%$561M · 2,095 loansOther services8.6%$518M · 3,195 loansAdministrative & waste services5.8%$347M · 2,458 loansWholesale trade5.3%$321M · 1,158 loansArts, entertainment & recreation4.7%$282M · 887 loansTransportation & warehousing3.6%$218M · 1,325 loansReal estate & leasing2.7%$161M · 676 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$784M3,41112.3%$21M2.67%
Retail trade$741M3,68711.6%$16M2.15%
Health care & social assistance$707M2,57211.0%$5M0.67%
Professional & technical services$706M4,16511.0%$14M1.98%
Construction$677M4,69110.6%$19M2.85%
Manufacturing$561M2,0958.8%$11M1.88%
Other services$518M3,1958.1%$10M1.92%
Administrative & waste services$347M2,4585.4%$6M1.73%
Wholesale trade$321M1,1585.0%$8M2.44%
Arts, entertainment & recreation$282M8874.4%$7M2.55%
Transportation & warehousing$218M1,3253.4%$6M2.85%
Real estate & leasing$161M6762.5%$2M1.28%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Middlesex$1.6B7,351190
Essex$794M4,677129
Norfolk$758M3,696145
Worcester$746M3,200140
Suffolk$645M3,062130
Plymouth$559M3,039107
Bristol$474M2,182112
Barnstable$298M1,68984
Hampden$268M1,41783
Berkshire$121M73648

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Massachusetts institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Massachusetts

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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