Middlesex Federal Savings, F.A.
Somerville, MA
IDRSSD: 87579
Total Assets
$637.95M
Latest filing
Total Deposits
$576.34M
Latest filing
Net Interest Margin
4.15%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Middlesex Federal Savings, F.A.
1 College Ave
Somerville, MA 02144
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1890FDIC Certificate 41202
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Middlesex Federal Savings, F.A. (Main) | 1 College Ave | Somerville, MA |
| 1196 BROADWAY BRANCH | 1196 Broadway | Somerville, MA |
| RIVERSIDE AVE BRANCH | 53 Riverside Ave | Medford, MA |
| NOVO BRANCH | 53 Riverside Ave | Medford, MA |
Showing 3 of 3
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 | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1890 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 02144 |
| State and County Number | 25017 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 38 |
| 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 | 70 |
| Domestic Offices | 4 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.middlesexfederal.com |
| Data Updated | 01/30/2026 |
| CERT | 28368 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $637.95M |
| Total Deposits | $576.34M |
| Total Liabilities | $581.44M |
| Total Equity Capital | $56.51M |
| Net Income | $473.00k |
| Net Loans and Leases | $510.92M |
| Assets Per Employee ($Millions) | $8.74M |
| Bank Premises and Fixed Assets | $1.84M |
| Cash and Balances due from Depository Institutions | $19.78M |
| Deposits Held in Domestic Offices | $576.34M |
Key Performance Ratios
| Return on Assets (ROA) | 0.29% |
| Return on Equity (ROE) | 3.38% |
| Net Interest Margin | 4.15% |
| Efficiency Ratio | 73.95% |
| Tier 1 Risk-Based Capital Ratio | 13.733% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.858% |
| Earning Assets to total Assets | 95.16% |
Income and Expense
| Total Interest Income | $7.59M |
| Total Noninterest Income | $431.00k |
| Total Interest Expense | $1.24M |
| Total Noninterest Expense | $5.02M |
| Net Interest Income | $6.36M |
| Pre-tax Net Operating Income | $1.77M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $291.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.81M |
| Total Liabilities and Capital | $637.95M |
Securities
| Securities | $77.53M |
| Available-for-sale debt securities | $57.17M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $14.86M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Middlesex Federal Savings, F.A.?
$637.95M as of the latest filing.
How much are Middlesex Federal Savings, F.A.'s total deposits?
$576.34M in total deposits.
Where is Middlesex Federal Savings, F.A. located?
Somerville, MA.
What is the Net Interest Margin?
4.15%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1890.
What is the Return on Assets (ROA)?
0.29%.
How much are total loans and leases?
$510.92M (latest filing).
What is the total interest income (latest filing)?
$7.59M.