🏦Bank Scorer

MARBLEHEAD SAVINGS BANK

MARBLEHEAD, MA · Supervised by FDIC

Est. 1871FDIC #90,234RSSD: FDIC-90234
Outstanding Same

Current rating · Exam: April 1999

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.44%

Institution Profile

FDIC BankFind

Address

21 Atlantic Ave, MARBLEHEAD, MA

County

Essex County

Established

March 18, 1871

Total Assets

$263M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$263M

Total Deposits

$230M

Net Loans

$211M

Net Income

$293K

ROA

0.44%

ROE

4.47%

Risk-Based Capital

17.80%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$226M

1-Year Change

-1

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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