Updated April 2026 · FDIC Call Report Q2 2024
Banks in Massachusetts
97 FDIC-insured banks are chartered in Massachusetts, holding $209.2B in combined assets. The state-wide average Bank Health Score is 68/100 (B), built from quarterly FDIC Call Report data on capital, loan quality, liquidity, and profitability.
Across Massachusetts, 97 FDIC-insured banks hold $209.2B in total assets. Average BankHealth composite score: 68/100 (average grade B). Moderate state-level scores typically reflect a healthy mix with some banks under pressure.
Top bank by assets: Boston Trust Walden Co. 10 banks in Massachusetts flagged as at-risk; the state-level rollup reflects average performance across the cohort. Each bank below links to its full BankHealth profile — Tier 1 capital ratio, non-performing loan ratio, liquidity ratio, ROA, multi-quarter trend, and the composite grade breakdown. Cross-bank comparisons within the same state are most useful when controlling for size class.
Massachusetts's Banking Sector
Massachusetts hosts a substantial banking sector — 97 FDIC-insured institutions holding $209.2B in combined assets. The mix ranges from regional commercial banks to small community institutions serving rural communities, with depositor choice typically strong across both urban and rural markets.
Banks in Massachusetts post an average Bank Health Score of 68/100 (B), around the C/B boundary. Capital is generally adequate and broad-based stress is not visible at the cohort level, but several banks in the state show pockets of credit, liquidity, or capital pressure that warrant individual review.
10 of 97 banks in Massachusetts (about 10%) currently land in the at-risk tier on the current Call Report. That count is roughly in line with national norms, and reflects the natural tail of any large cohort rather than a state-specific concentration.
Healthiest Banks in Massachusetts
Boston Trust Walden Co
North Cambridge Coop Bank
Athol Savings Bank
Middlesex Savings Bank
Colonial FSB
South Shore Bank
Eastern Bank
Bank of Canton
Cape Ann Savings Bank
Canton Coop Bank
Banks Showing Weakness in Massachusetts
Cape Cod Coop Bank
Coastal Heritage Bank
Marthas Vineyard Bank
Onelocal Bank
Wellington Trust Co NA
Pentucket Bank
Winchester Savings Bank
Country Bank for Savings
Stoughton Coop Bank
Walpole Coop Bank
For Massachusetts Depositors
FDIC insurance protects deposits at every bank on this page up to $250,000 per depositor, per insured bank, per ownership category — identical coverage regardless of state. The Bank Health Score ranks regulatory cushion across institutions; it is not a guarantee. Confirm your bank's FDIC status and your specific coverage at FDIC.gov before making changes.
Federal regulators — including the OCC for national charters and the FDIC for state-chartered insured banks — oversee the institutions on this page. Quarterly FFIEC Call Reports are public and provide line-item detail behind every metric here.
How These Scores Are Calculated
Every bank on this page earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The composite is reported as a 0–100 score and an A–F grade. Read the full methodology.
Frequently Asked Questions
How many banks are in Massachusetts?
97 FDIC-insured banks are chartered in Massachusetts, holding $209.2B in combined assets. Massachusetts hosts a substantial banking sector — 97 FDIC-insured institutions holding $209.2B in combined assets. The mix ranges from regional commercial banks to small community institutions serving rural communities, with depositor choice typically strong across both urban and rural markets.
What is the average bank health score in Massachusetts?
Banks in Massachusetts post an average Bank Health Score of 68/100 (B), around the C/B boundary. Capital is generally adequate and broad-based stress is not visible at the cohort level, but several banks in the state show pockets of credit, liquidity, or capital pressure that warrant individual review.
Which banks in Massachusetts are showing the most stress?
10 of 97 banks in Massachusetts (about 10%) currently land in the at-risk tier on the current Call Report. That count is roughly in line with national norms, and reflects the natural tail of any large cohort rather than a state-specific concentration. See the "Banks Showing Weakness" section above for the specific institutions and their Health Score factors.
Are banks in Massachusetts FDIC-insured?
Yes. Every bank on this page is FDIC-insured, which protects deposits up to $250,000 per depositor, per insured bank, per ownership category. FDIC insurance is identical regardless of state. Verify your bank's status and your specific coverage at FDIC.gov, particularly if you hold combined balances above the $250,000 limit.
Where does this data come from?
All bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · Data covers 97 Massachusetts banks. Informational only; not investment advice.