🏦Bank Scorer

MIDDLESEX SAVINGS BANK

NATICK, MA · Supervised by FDIC

Est. 1835FDIC #90,183RSSD: FDIC-90183
Part ofMIDDLESEX BCORP MHC→ View all charters
Outstanding Same

Current rating · Exam: November 2023

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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 0.58%

Institution Profile

FDIC BankFind

Address

6 Main St, NATICK, MA

County

Middlesex County

Established

March 5, 1835

Total Assets

$6.2B(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

November 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.2B

Total Deposits

$5.2B

Net Loans

$3.7B

Net Income

$9M

ROA

0.58%

ROE

4.54%

Risk-Based Capital

18.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate10.97%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

34

Branch Deposits

$5.2B

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202478482.02%10.97%
202388478.73%10.97%
20221,52482.48%7.87%
20211,77781.43%9.96%
20201,93976.53%9.08%
20191,65974.14%12.24%
20181,47671.82%14.02%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 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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