Massachusetts · Q2 2026

Middlesex County, Massachusetts

ECredit pressureE on a scale where E is the highest pressure and A the lowest

17% of Middlesex County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.

Counting institutions that are concentrated but do not meet the growth test, the share is 33%.

Rank

Outside the top 15

Full ranking is part of Desk

Exposed deposits vs Q1 2026

— no change

Coverage

Coverage 47% — full

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

Hover or tap a county for its grade.

Banks behind this number

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

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
Northern Bank & Trust Company	Woburn, MA	$3.4B	Below	—	100.0%
Watertown Savings Bank	Watertown, MA	$1.4B	Below	—	100.0%
The Village Bank	Newton, MA	$2.1B	Above threshold	C1	100.0%
MutualOne Bank	Framingham, MA	$1.2B	Below	—	100.0%
StonehamBank, A Co-operative Bank	Stoneham, MA	$0.9B	Below	—	100.0%
North Cambridge Co-operative Bank	Cambridge, MA	$0.1B	Below	—	100.0%
Winchester Co-operative Bank	Winchester, MA	$0.9B	Below	—	100.0%
Winter Hill Bank, FSB	Somerville, MA	$0.4B	Below	—	100.0%
Middlesex Federal Savings, F.A.	Somerville, MA	$0.7B	Concentrated	300%+, growth test not met	100.0%
Washington Savings Bank	Lowell, MA	$0.3B	Below	—	100.0%
Cambridge Savings Bank	Cambridge, MA	$7.0B	Concentrated	300%+, growth test not met	98.9%
Leader Bank, National Association	Arlington, MA	$5.3B	Below	—	97.5%
Winchester Savings Bank	Winchester, MA	$1.1B	Above threshold	C1+C2	93.0%
East Cambridge Savings Bank	Cambridge, MA	$1.7B	Below	—	92.6%
Main Street Bank	Marlborough, MA	$1.7B	Below	—	85.4%
The Lowell Five Cent Savings Bank	Tewksbury, MA	$1.9B	Concentrated	300%+, growth test not met	82.4%
The Savings Bank	Wakefield, MA	$0.9B	Below	—	78.9%
Everett Co-operative Bank	Everett, MA	$1.7B	Above threshold	C2	75.8%
Middlesex Savings Bank	Natick, MA	$6.1B	Below	—	73.6%
Eagle Bank	Everett, MA	$0.7B	Above threshold	C2	73.2%
Reading Co-operative Bank	Reading, MA	$1.2B	Approaching	—	63.6%
Avidia Bank	Hudson, MA	$2.8B	Below	—	37.6%
Eastern Bank	Boston, MA	$31B	Approaching	—	32.2%
Needham Bank	Needham, MA	$7.4B	Above threshold	C2	32.0%
Beacon Bank and Trust	Boston, MA	$22B	Above threshold	C2	31.9%
Salem Five Cents Savings Bank	Salem, MA	$8.8B	Approaching	—	27.4%
Rollstone Bank & Trust	Fitchburg, MA	$0.8B	Concentrated	300%+, growth test not met	15.9%
Rockland Trust Company	Rockland, MA	$25B	Below	—	9.0%
Fidelity Co-operative Bank	Leominster, MA	$1.3B	Below	—	7.2%
UniBank for Savings	Whitinsville, MA	$3.1B	Below	—	3.8%
NorthEast Community Bank	White Plains, NY	$2.1B	Above threshold	C1	3.5%
TruNorth Bank	Peabody, MA	$3.3B	Approaching	—	1.5%
Dedham Institution for Savings	Dedham, MA	$2.6B	Approaching	—	1.2%
Beal Bank USA	Las Vegas, NV	$11B	Below	—	1.0%
Webster Bank, National Association	Stamford, CT	$86B	Below	—	0.1%

Northern Bank & Trust CompanyBelow
Woburn, MA$3.4B—100.0% of bank deposits
Watertown Savings BankBelow
Watertown, MA$1.4B—100.0% of bank deposits
The Village BankAbove threshold
Newton, MA$2.1BC1100.0% of bank deposits
MutualOne BankBelow
Framingham, MA$1.2B—100.0% of bank deposits
StonehamBank, A Co-operative BankBelow
Stoneham, MA$0.9B—100.0% of bank deposits
North Cambridge Co-operative BankBelow
Cambridge, MA$0.1B—100.0% of bank deposits
Winchester Co-operative BankBelow
Winchester, MA$0.9B—100.0% of bank deposits
Winter Hill Bank, FSBBelow
Somerville, MA$0.4B—100.0% of bank deposits
Middlesex Federal Savings, F.A.Concentrated
Somerville, MA$0.7B300%+, growth test not met100.0% of bank deposits
Washington Savings BankBelow
Lowell, MA$0.3B—100.0% of bank deposits
Cambridge Savings BankConcentrated
Cambridge, MA$7.0B300%+, growth test not met98.9% of bank deposits
Leader Bank, National AssociationBelow
Arlington, MA$5.3B—97.5% of bank deposits
Winchester Savings BankAbove threshold
Winchester, MA$1.1BC1+C293.0% of bank deposits
East Cambridge Savings BankBelow
Cambridge, MA$1.7B—92.6% of bank deposits
Main Street BankBelow
Marlborough, MA$1.7B—85.4% of bank deposits
The Lowell Five Cent Savings BankConcentrated
Tewksbury, MA$1.9B300%+, growth test not met82.4% of bank deposits
The Savings BankBelow
Wakefield, MA$0.9B—78.9% of bank deposits
Everett Co-operative BankAbove threshold
Everett, MA$1.7BC275.8% of bank deposits
Middlesex Savings BankBelow
Natick, MA$6.1B—73.6% of bank deposits
Eagle BankAbove threshold
Everett, MA$0.7BC273.2% of bank deposits
Reading Co-operative BankApproaching
Reading, MA$1.2B—63.6% of bank deposits
Avidia BankBelow
Hudson, MA$2.8B—37.6% of bank deposits
Eastern BankApproaching
Boston, MA$31B—32.2% of bank deposits
Needham BankAbove threshold
Needham, MA$7.4BC232.0% of bank deposits
Beacon Bank and TrustAbove threshold
Boston, MA$22BC231.9% of bank deposits
Salem Five Cents Savings BankApproaching
Salem, MA$8.8B—27.4% of bank deposits
Rollstone Bank & TrustConcentrated
Fitchburg, MA$0.8B300%+, growth test not met15.9% of bank deposits
Rockland Trust CompanyBelow
Rockland, MA$25B—9.0% of bank deposits
Fidelity Co-operative BankBelow
Leominster, MA$1.3B—7.2% of bank deposits
UniBank for SavingsBelow
Whitinsville, MA$3.1B—3.8% of bank deposits
NorthEast Community BankAbove threshold
White Plains, NY$2.1BC13.5% of bank deposits
TruNorth BankApproaching
Peabody, MA$3.3B—1.5% of bank deposits
Dedham Institution for SavingsApproaching
Dedham, MA$2.6B—1.2% of bank deposits
Beal Bank USABelow
Las Vegas, NV$11B—1.0% of bank deposits
Webster Bank, National AssociationBelow
Stamford, CT$86B—0.1% 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

7 of the 35 banks under $100B in assets with a branch in Middlesex County are above a regulatory CRE concentration threshold, and together they hold 17% of the county deposits this report covers. Another 5 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 33%. 8 more sit within one quarter of a threshold.

Coverage is 47%: the rest of the deposits in Middlesex 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.