Middlesex Federal Savings, F.A.
Somerville, MA
IDRSSD: 87579
Total Assets
$653.00M
Latest filing
Total Deposits
$579.78M
Latest filing
Net Interest Margin
4.05%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Winter Hill Bank, FSB
Somerville, Massachusetts
→
Assets: $420.34MΔ -36.4%
Athol Savings Bank
Athol, Massachusetts
→
Assets: $682.20MΔ +3.1%
Walpole Co-operative Bank
Walpole, Massachusetts
→
Assets: $639.50MΔ -3.3%
Eagle Bank
Everett, Massachusetts
→
Assets: $637.83MΔ -3.6%
Haverhill Bank
Haverhill, Massachusetts
→
Assets: $620.96MΔ -6.1%
OneUnited Bank
Boston, Massachusetts
→
Assets: $606.80MΔ -8.3%
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 | 11/14/2025 |
| CERT | 28368 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $653.00M |
| Total Deposits | $579.78M |
| Total Liabilities | $597.44M |
| Total Equity Capital | $55.56M |
| Net Income | $1.69M |
| Net Loans and Leases | $522.02M |
| Assets Per Employee ($Millions) | $9.33M |
| Bank Premises and Fixed Assets | $1.83M |
| Cash and Balances due from Depository Institutions | $21.50M |
| Deposits Held in Domestic Offices | $579.78M |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 12.42% |
| Net Interest Margin | 4.05% |
| Efficiency Ratio | 70.41% |
| Tier 1 Risk-Based Capital Ratio | 13.351% |
| 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 | 8.508% |
| Earning Assets to total Assets | 94.86% |
Income and Expense
| Total Interest Income | $7.65M |
| Total Noninterest Income | $372.00k |
| Total Interest Expense | $1.34M |
| Total Noninterest Expense | $4.71M |
| Net Interest Income | $6.31M |
| Pre-tax Net Operating Income | $1.98M |
| Provision for Credit Losses | $0 |
| 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 | $14.01M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.65M |
| Total Liabilities and Capital | $653.00M |
Securities
| Securities | $78.82M |
| Available-for-sale debt securities | $58.08M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $14.93M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Middlesex Federal Savings, F.A.?
$653.00M as of the latest filing.
How much are Middlesex Federal Savings, F.A.'s total deposits?
$579.78M in total deposits.
Where is Middlesex Federal Savings, F.A. located?
Somerville, MA.
What is the Net Interest Margin?
4.05%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1890.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$522.02M (latest filing).
What is the total interest income (latest filing)?
$7.65M.