OneLocal Bank
Norwood, MA
IDRSSD: 1013070
Total Assets
$1.03B
Latest filing
Total Deposits
$824.54M
Latest filing
Net Interest Margin
3.54%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
OneLocal Bank
11 Central St
Norwood, MA 02062
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1889FDIC Certificate 35253
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| OneLocal Bank (Main) | 11 Central St | Norwood, MA |
| MAIN ST BRANCH | 160 Main St | Norfolk, MA |
| SOUTH STREET BRANCH | 129 South St | Plainville, MA |
| CENTRAL ST BRANCH | 1 Central St | Foxboro, 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 | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1889 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 02062 |
| State and County Number | 25021 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| 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 | 82 |
| 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 | 02/13/1986 |
| Primary Insurance Agency | DIF |
| Website | https://www.onelocalbank.com/ |
| Data Updated | 11/14/2025 |
| CERT | 26555 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.03B |
| Total Deposits | $824.54M |
| Total Liabilities | $894.24M |
| Total Equity Capital | $138.38M |
| Net Income | $2.56M |
| Net Loans and Leases | $882.04M |
| Assets Per Employee ($Millions) | $12.44M |
| Bank Premises and Fixed Assets | $6.26M |
| Cash and Balances due from Depository Institutions | $4.35M |
| Deposits Held in Domestic Offices | $824.54M |
Key Performance Ratios
| Return on Assets (ROA) | 1% |
| Return on Equity (ROE) | 7.51% |
| Net Interest Margin | 3.54% |
| Efficiency Ratio | 58.61% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.401% |
| Earning Assets to total Assets | 95.14% |
Income and Expense
| Total Interest Income | $14.57M |
| Total Noninterest Income | $467.00k |
| Total Interest Expense | $5.94M |
| Total Noninterest Expense | $5.51M |
| Net Interest Income | $8.63M |
| Pre-tax Net Operating Income | $3.45M |
| Provision for Credit Losses | $139.00k |
| 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 | $61.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.20M |
| Total Liabilities and Capital | $1.03B |
Securities
| Securities | $99.27M |
| Available-for-sale debt securities | $99.27M |
| 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 OneLocal Bank?
$1.03B as of the latest filing.
How much are OneLocal Bank's total deposits?
$824.54M in total deposits.
Where is OneLocal Bank located?
Norwood, MA.
What is the Net Interest Margin?
3.54%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1889.
What is the Return on Assets (ROA)?
1%.
How much are total loans and leases?
$882.04M (latest filing).
What is the total interest income (latest filing)?
$14.57M.