Massachusetts · Q2 2026

Essex County, Massachusetts

DCredit pressureD on a scale where E is the highest pressure and A the lowest

6.0% of Essex County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.

Rank

Outside the top 15

Full ranking is part of Desk

Exposed deposits vs Q1 2026

— no change

Coverage

Coverage 57% — full

Credit pressureAEleast exposed to most exposedNot rated, coverage under 25%Rated on low coverage

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Banks behind this number

23 banks under $100B in assets with a branch here

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
The National Grand Bank of Marblehead	Marblehead, MA	$0.4B	Below	—	100.0%
Methuen Co-operative Bank	Methuen, MA	$0.1B	Below	—	100.0%
BankGloucester	Gloucester, MA	$0.4B	Below	—	100.0%
Cape Ann Savings Bank	Gloucester, MA	$1.1B	Below	—	100.0%
Marblehead Bank	Marblehead, MA	$0.3B	Below	—	100.0%
Institution for Savings in Newburyport and Its Vicinity	Newburyport, MA	$5.6B	Below	—	100.0%
Haverhill Bank	Haverhill, MA	$0.6B	Below	—	90.6%
Salem Five Cents Savings Bank	Salem, MA	$8.8B	Approaching	—	68.4%
Pentucket Bank	Haverhill, MA	$1.1B	Below	—	66.4%
Newburyport Five Cents Savings Bank	Newburyport, MA	$1.6B	Below	—	58.6%
TruNorth Bank	Peabody, MA	$3.3B	Approaching	—	56.8%
Reading Co-operative Bank	Reading, MA	$1.2B	Approaching	—	36.4%
Everett Co-operative Bank	Everett, MA	$1.7B	Above threshold	C2	24.2%
Eastern Bank	Boston, MA	$31B	Approaching	—	23.4%
The Savings Bank	Wakefield, MA	$0.9B	Below	—	21.1%
Salem Co-operative Bank	Salem, NH	$0.6B	Below	—	20.3%
The Lowell Five Cent Savings Bank	Tewksbury, MA	$1.9B	Concentrated	300%+, growth test not met	13.4%
Beacon Bank and Trust	Boston, MA	$22B	Above threshold	C2	10.6%
Eagle Bank	Everett, MA	$0.7B	Above threshold	C2	7.8%
Winchester Savings Bank	Winchester, MA	$1.1B	Above threshold	C1+C2	7.0%
Bank of New England	Salem, NH	$1.8B	Above threshold	C1	6.2%
NorthEast Community Bank	White Plains, NY	$2.1B	Above threshold	C1	5.5%
Rockland Trust Company	Rockland, MA	$25B	Below	—	4.8%

The National Grand Bank of MarbleheadBelow
Marblehead, MA$0.4B—100.0% of bank deposits
Methuen Co-operative BankBelow
Methuen, MA$0.1B—100.0% of bank deposits
BankGloucesterBelow
Gloucester, MA$0.4B—100.0% of bank deposits
Cape Ann Savings BankBelow
Gloucester, MA$1.1B—100.0% of bank deposits
Marblehead BankBelow
Marblehead, MA$0.3B—100.0% of bank deposits
Institution for Savings in Newburyport and Its VicinityBelow
Newburyport, MA$5.6B—100.0% of bank deposits
Haverhill BankBelow
Haverhill, MA$0.6B—90.6% of bank deposits
Salem Five Cents Savings BankApproaching
Salem, MA$8.8B—68.4% of bank deposits
Pentucket BankBelow
Haverhill, MA$1.1B—66.4% of bank deposits
Newburyport Five Cents Savings BankBelow
Newburyport, MA$1.6B—58.6% of bank deposits
TruNorth BankApproaching
Peabody, MA$3.3B—56.8% of bank deposits
Reading Co-operative BankApproaching
Reading, MA$1.2B—36.4% of bank deposits
Everett Co-operative BankAbove threshold
Everett, MA$1.7BC224.2% of bank deposits
Eastern BankApproaching
Boston, MA$31B—23.4% of bank deposits
The Savings BankBelow
Wakefield, MA$0.9B—21.1% of bank deposits
Salem Co-operative BankBelow
Salem, NH$0.6B—20.3% of bank deposits
The Lowell Five Cent Savings BankConcentrated
Tewksbury, MA$1.9B300%+, growth test not met13.4% of bank deposits
Beacon Bank and TrustAbove threshold
Boston, MA$22BC210.6% of bank deposits
Eagle BankAbove threshold
Everett, MA$0.7BC27.8% of bank deposits
Winchester Savings BankAbove threshold
Winchester, MA$1.1BC1+C27.0% of bank deposits
Bank of New EnglandAbove threshold
Salem, NH$1.8BC16.2% of bank deposits
NorthEast Community BankAbove threshold
White Plains, NY$2.1BC15.5% of bank deposits
Rockland Trust CompanyBelow
Rockland, MA$25B—4.8% of bank deposits

A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.

What this means

6 of the 23 banks under $100B in assets with a branch in Essex County are above a regulatory CRE concentration threshold, and together they hold 6.0% of the county deposits this report covers. Another 3 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 7.2%. 6 more sit within one quarter of a threshold.

Coverage is 57%: the rest of the deposits in Essex County sit in banks above the $100B threshold, which this report does not evaluate. Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.

Calculation v1 · Call report Q2 2026 · Summary of Deposits 2025 · Universe: banks under $100B in assets · Methodology

Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.

Nothing on this page is investment advice.