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Middlesex Savings Bank
Natick, MA·FDIC Cert #90183·Charter: STATE·Est. 18350305.0·HC: MIDDLESEX BCORP MHC
Total Assets
$6.2B
Q4 2025
Return on Assets
0.54%
+0.02%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
74.47%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.54%+0.02
ROE
4.47%+0.08
Efficiency
74.47%-0.42
Equity/Assets
0.00%+0.00
NPL Ratio
0.20%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
69.44%+1.60
Charge-offs
0.02%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.2 | 0.3 | 0.3 | 0.2 | 0.3 | 0.4 | 0.5 | 0.5 |
| ROE | 1.5 | 3.2 | 3.1 | 1.8 | 2.4 | 3.1 | 4.4 | 4.5 |
| Efficiency | 100.9 | 92.9 | 91.4 | 89.7 | 86.5 | 79.6 | 74.9 | 74.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 |
| Charge-offs | -0.1 | 0.7 | 0.4 | 0.3 | 0.1 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 74.1 | 72.6 | 70.4 | 68.5 | 67.0 | 67.4 | 67.8 | 69.4 |
Balance Sheet
Total Assets$6.2B
Total Deposits$5.2B
Total Loans$3.6B
Total Equity$791.4M
Profitability
ROA0.54%
ROE4.47%
Efficiency Ratio74.47%
Net Income$33.3M
Risk & Asset Quality
NPL Ratio0.20%
Charge-off Rate0.02%
Loan/Deposit69.44%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans