Updated April 2026 · FDIC Call Report Q2 2024

C-Rated Banks in Massachusetts

18 banks · Average score: 57/100 · Combined assets $33.2B

18 banks in this state currently hold C grades, averaging a composite score of 57/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 5.67% and an NPL ratio of 0.50%, sourced from the most recent FDIC quarterly Call Report.

18 Massachusetts banks hold a C grade, averaging 57/100. C-grade banks track close to peer medians — neither standouts nor distressed, but with less cushion against credit-cycle pressure than A-or-B-grade peers.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Massachusetts C-grade banks by health score with links to each bank's full profile.

A B C DF

What "C" Means in Practice

C-graded banks in Massachusetts are middle-of-the-pack institutions — composite scores of 50–64 — with at least one factor running notably weaker than peers. Currently 18 banks chartered in Massachusetts carry C grades. The pattern usually reflects either thinner-than-average capital, elevated NPL ratios, or compressed return on assets. Not crisis territory, but a tier where individual bank-level review is warranted.

For depositors: C-graded institutions are not in trouble, but they have at least one weaker factor than peers. FDIC insurance still protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Depositors with combined balances above the limit should verify exact coverage using FDIC's EDIE calculator at FDIC.gov.

Tier-Wide Snapshot in Massachusetts

Banks in this grade tier	18
Combined assets	$33.2B
Average composite score	57/100
Average Tier 1 capital ratio	5.67%
Average NPL ratio	0.50%

All C-Graded Banks in Massachusetts

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Wakefield Coop Bank	Wakefield	64	$312M	11.68%	0.24%	13.49%
2	Newburyport Five Cents Sb	Newburyport	64	$1.6B	11.48%	0.07%	11.34%
3	Baycoast Bank	Swansea	62	$3.0B	10.30%	0.20%	11.37%
4	Cambridge Savings Bank	Cambridge	61	$7.1B	10.76%	0.53%	12.17%
5	Harborone Bank	Brockton	61	$5.8B	10.79%	0.20%	9.16%
6	Bank of Easton	North Easton	59	$199M	0.00%	0.07%	38.67%
7	Coop Bank	Roslindale	59	$574M	11.95%	0.82%	10.51%
8	Bankprov	Amesbury	59	$1.6B	12.64%	1.56%	12.08%
9	Florence Bank	Florence	58	$2.1B	0.00%	0.23%	41.02%
10	Greenfield Coop Bank	Greenfield	56	$762M	0.00%	0.63%	30.81%
11	Commonwealth Coop Bank	Hyde Park	56	$203M	0.00%	0.19%	29.09%
12	Brookline Bank	Brookline	55	$6.4B	10.35%	0.80%	7.89%
13	Wrentham Coop Bank	Wrentham	55	$178M	0.00%	0.00%	35.56%
14	North Brookfield Sb	North Brookfield	53	$410M	0.00%	0.25%	26.43%
15	Bankgloucester	Gloucester	52	$375M	12.12%	2.42%	11.48%
16	National Grand Bk Marblehead	Marblehead	51	$423M	0.00%	0.00%	22.21%
17	Fidelity Coop Bank	Leominster	51	$1.5B	0.00%	0.14%	24.53%
18	Oneunited Bank	Boston	50	$614M	0.00%	0.59%	24.39%

For Depositors at C-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank 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 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a C grade mean for a bank?

How many C-graded banks are in Massachusetts?

What does this tier look like financially?

Across 18 C-graded banks in Massachusetts, the average Tier 1 capital ratio is 5.67% and the average nonperforming-loan ratio is 0.50%. Combined assets in this cohort total $33.2B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at C-graded banks still FDIC-insured?

Where does this data come from?

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 FDIC and FFIEC data is U.S. government public domain.

All banks in Massachusetts →All grade C banks nationwide →Healthiest Banks →Methodology →

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 · 18 C-graded banks in Massachusetts. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.