Banks in Massachusetts — Benchmarks

95 institutions filed a Call Report for 2026Q2. Median values below; each metric has its own page with the full percentile distribution and every quarter back to 2001.

Metric	Median (2026Q2)	Banks	Quarter
Efficiency Ratio	74.0%	95	2026Q2
Equity Capital / Total Assets	10.6%	95	2026Q2
Loan Loss Reserve / Loans	0.8%	91	2026Q2
Loans / Deposits	92.7%	91	2026Q2
Net Income (year to date)	$4.3M	95	2026Q2
Net Interest Income / Assets (annualized)	2.8%	95	2026Q2
Return on Assets (annualized)	0.6%	95	2026Q2
Return on Equity (annualized)	6.1%	95	2026Q2
Total Assets	$1.1B	95	2026Q2
Total Deposits	$877.9M	91	2026Q2
Total Loans and Leases	$889.8M	91	2026Q2

Largest institutions (2026Q2)

STATE STREET BANK AND TRUST COMPANY $412.6B assets, MA · evidence
EASTERN BANK $31.1B assets, MA · evidence
ROCKLAND TRUST COMPANY $25.0B assets, MA · evidence
BEACON BANK & TRUST $22.2B assets, MA · evidence
HAPPEN BANK, NATIONAL ASSOCIATION $12.5B assets, MA · evidence
SALEM FIVE CENTS SAVINGS BANK $8.8B assets, MA · evidence
NEEDHAM BANK $7.4B assets, MA · evidence
CAMBRIDGE SAVINGS BANK $7.0B assets, MA · evidence
MIDDLESEX SAVINGS BANK $6.1B assets, MA · evidence
CAPE COD FIVE CENTS SAVINGS BANK $5.6B assets, MA · evidence

Methodology & sources
One row per reporting institution (RSSD) per quarter, as filed. Percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain).

All bank benchmarks · Cite as: FACTANKER, https://factanker.com/banks/state-ma