Middlesex Savings Bank
Natick, MA
IDRSSD: 888002
Total Assets
$6.11B
Latest filing
Total Deposits
$5.22B
Latest filing
Net Interest Margin
2.49%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Middlesex Savings Bank
6 Main St
Natick, MA 01760
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/05/1835FDIC Certificate 17774
Branches (34)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| Middlesex Savings Bank (Main) | 6 Main St | Natick, MA |
| HOPKINTON BRANCH | 10 Main St | Hopkinton, MA |
| MEDWAY BRANCH | 81 Main St | Medway, MA |
| FRAMINGHAM BRANCH | 899 Edgell Rd | Framingham, MA |
| ACTON BRANCH | 279 Main St | Acton, MA |
| WEST CONCORD BRANCH | 1208 Main St | West Concord, MA |
| WESTFORD BRANCH | 160 Littleton Rd | Westford, MA |
| CONCORD BRANCH | 64 Main St | Concord, MA |
Showing 7 of 34
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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/05/1835 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 01760 |
| State and County Number | 25017 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 21 |
| 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 | 488 |
| Domestic Offices | 35 |
| 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 | 11/08/1985 |
| Primary Insurance Agency | DIF |
| Website | www.middlesexbank.com |
| Data Updated | 11/14/2025 |
| CERT | 90183 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $6.11B |
| Total Deposits | $5.22B |
| Total Liabilities | $5.35B |
| Total Equity Capital | $763.16M |
| Net Income | $12.75M |
| Net Loans and Leases | $3.54B |
| Assets Per Employee ($Millions) | $12.08M |
| Bank Premises and Fixed Assets | $60.84M |
| Cash and Balances due from Depository Institutions | $109.42M |
| Deposits Held in Domestic Offices | $5.22B |
Key Performance Ratios
| Return on Assets (ROA) | 0.83% |
| Return on Equity (ROE) | 6.79% |
| Net Interest Margin | 2.49% |
| Efficiency Ratio | 67.26% |
| Tier 1 Risk-Based Capital Ratio | 17.984% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.483% |
| Earning Assets to total Assets | 93.84% |
Income and Expense
| Total Interest Income | $65.93M |
| Total Noninterest Income | $8.09M |
| Total Interest Expense | $30.33M |
| Total Noninterest Expense | $29.39M |
| Net Interest Income | $35.60M |
| Pre-tax Net Operating Income | $14.78M |
| Provision for Credit Losses | $-476,000 |
| 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 | $11.72M |
| Federal Funds Sold & Reverse Repurchase Agreement | $30.46M |
| Federal Funds Purchased and Repurchased Agreement | $84.09M |
| All Other Liabilities | $32.79M |
| Total Liabilities and Capital | $6.11B |
Securities
| Securities | $2.09B |
| Available-for-sale debt securities | $2.06B |
| 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 Middlesex Savings Bank?
$6.11B as of the latest filing.
How much are Middlesex Savings Bank's total deposits?
$5.22B in total deposits.
Where is Middlesex Savings Bank located?
Natick, MA.
What is the Net Interest Margin?
2.49%.
How many domestic offices does it operate?
35.
When was it established?
03/05/1835.
What is the Return on Assets (ROA)?
0.83%.
How much are total loans and leases?
$3.54B (latest filing).
What is the total interest income (latest filing)?
$65.93M.