Main Street Bank
Marlborough, MA
IDRSSD: 818401
Total Assets
$1.66B
Latest filing
Total Deposits
$1.34B
Latest filing
Net Interest Margin
2.93%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Main Street Bank
81 Granger Blvd
Marlborough, MA 01752
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/03/1860FDIC Certificate 17825
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Main Street Bank (Main) | 81 Granger Blvd | Marlborough, MA |
| NORTH MIDDLESEX SVGS BR | 7 Main St | Ayer, MA |
| PEPPERELL BRANCH | 80 Main St | Pepperell, MA |
| SOUTHBOROUGH BRANCH | 6 E Main St | Southborough, MA |
| NORTHBOROUGH BRANCH | 101 W Main St | Northborough, MA |
| HUDSON BRANCH | 186 Main St | Hudson, MA |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 04/03/1860 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01752 |
| State and County Number | 25017 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 144 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 11/15/1985 |
| Primary Insurance Agency | DIF |
| Website | www.bankmainstreet.com |
| Data Updated | 11/14/2025 |
| CERT | 90235 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.66B |
| Total Deposits | $1.34B |
| Total Liabilities | $1.48B |
| Total Equity Capital | $174.29M |
| Net Income | $3.21M |
| Net Loans and Leases | $1.31B |
| Assets Per Employee ($Millions) | $10.62M |
| Bank Premises and Fixed Assets | $10.28M |
| Cash and Balances due from Depository Institutions | $26.97M |
| Deposits Held in Domestic Offices | $1.34B |
Key Performance Ratios
| Return on Assets (ROA) | 0.77% |
| Return on Equity (ROE) | 7.68% |
| Net Interest Margin | 2.93% |
| Efficiency Ratio | 69.56% |
| Tier 1 Risk-Based Capital Ratio | 15.836% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.522% |
| Earning Assets to total Assets | 95.06% |
Income and Expense
| Total Interest Income | $21.10M |
| Total Noninterest Income | $801.00k |
| Total Interest Expense | $9.48M |
| Total Noninterest Expense | $8.94M |
| Net Interest Income | $11.62M |
| Pre-tax Net Operating Income | $4.39M |
| Provision for Credit Losses | $-910,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $103.54M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.93M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $34.59M |
| Total Liabilities and Capital | $1.66B |
Securities
| Securities | $247.10M |
| Available-for-sale debt securities | $246.46M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Main Street Bank?
$1.66B as of the latest filing.
How much are Main Street Bank's total deposits?
$1.34B in total deposits.
Where is Main Street Bank located?
Marlborough, MA.
What is the Net Interest Margin?
2.93%.
How many domestic offices does it operate?
6.
When was it established?
04/03/1860.
What is the Return on Assets (ROA)?
0.77%.
How much are total loans and leases?
$1.31B (latest filing).
What is the total interest income (latest filing)?
$21.10M.