BANK & CREDIT UNION INTELLIGENCE

Banks in Middlesex County, MA

42 FDIC-insured banks operate 442 branches in Middlesex County, Massachusetts, holding $83.14B in total deposits as of the 2026 FDIC Summary of Deposits. Bank of America, National Association leads the market with 19.4% share. Deposit market share is the clearest available measure of competitive position in a local market: it reflects where households and businesses actually keep their money, rather than where institutions advertise or how many branches they operate.

Middlesex County market profile

Understanding a deposit market requires knowing the market itself. These figures come from the US Census Bureau American Community Survey 2024 five-year estimates. Median family income is the measure federal regulators use to define low- and moderate-income thresholds under the Community Reinvestment Act, which is why it is reported here separately from household income.

Population1,638,365
Median family income$166,449
Median home value$727,800
Banks operating in county42
Bank branches442

Deposit market share in Middlesex County

Ranked by deposits held within county borders. A bank's county deposits are the sum across all of its branches in that county, so an institution with several locations appears once. Figures are as of June 30, 2026, the annual reporting date for the FDIC Summary of Deposits.

RankBankDepositsShareBranches
1 Bank of America, National Association $16.10B 19.37% 43
2 Citizens Bank, National Association $8.80B 10.58% 49
3 Cambridge Savings Bank $5.31B 6.38% 19
4 TD Bank, National Association $5.25B 6.31% 24
5 Eastern Bank $4.88B 5.87% 33
6 Leader Bank, National Association $4.10B 4.93% 5
7 Middlesex Savings Bank $3.79B 4.55% 22
8 Manufacturers and Traders Trust Company $3.59B 4.32% 14
9 Rockland Trust Company $3.53B 4.24% 29
10 Santander Bank, N.A. $3.33B 4.01% 27
11 Northern Bank & Trust Company $2.82B 3.40% 14
12 The Village Bank $1.80B 2.16% 10
13 JPMorgan Chase Bank, National Association $1.78B 2.14% 32
14 Avidia Bank $1.58B 1.90% 5
15 Beacon Bank and Trust $1.50B 1.80% 12
16 The Lowell Five Cent Savings Bank $1.34B 1.62% 12
17 Watertown Savings Bank $1.25B 1.51% 10
18 East Cambridge Savings Bank $1.24B 1.50% 11
19 Main Street Bank $1.21B 1.46% 4
20 Salem Five Cents Savings Bank $1.15B 1.38% 12
21 MutualOne Bank $924.5M 1.11% 3
22 Everett Co-operative Bank $924.0M 1.11% 2
23 Needham Bank $873.7M 1.05% 3
24 Winchester Co-operative Bank $773.8M 0.93% 2
25 StonehamBank, A Co-operative Bank $773.2M 0.93% 2
26 Reading Co-operative Bank $765.2M 0.92% 8
27 Winchester Savings Bank $761.9M 0.92% 4
28 The Savings Bank $598.5M 0.72% 5
29 Middlesex Federal Savings, F.A. $576.5M 0.69% 4
30 PNC Bank, National Association $420.5M 0.51% 4
31 Eagle Bank $418.7M 0.50% 3
32 Winter Hill Bank, FSB $299.3M 0.36% 3
33 Washington Savings Bank $249.3M 0.30% 2
34 Rollstone Bank & Trust $111.0M 0.13% 2
35 Fidelity Co-operative Bank $107.3M 0.13% 1
36 North Cambridge Co-operative Bank $60.3M 0.07% 1
37 NorthEast Community Bank $37.7M 0.05% 1
38 TruNorth Bank $37.0M 0.04% 1
39 UniBank for Savings $32.8M 0.04% 1
40 First-Citizens Bank & Trust Company $29.6M 0.04% 1
41 Dedham Institution for Savings $16.1M 0.02% 1
42 The Bank of New York Mellon Trust Company, National Association — 0.00% 1

About this data

The FDIC Summary of Deposits is an annual survey of branch office deposits filed by every FDIC-insured institution as of June 30 each year. It is the authoritative source for local deposit market share and is the dataset regulators use when assessing competitive effects of bank mergers. Because it is annual, it reflects a point in time rather than current balances. Vault republishes it without modification, free to access and free to cite. Available to AI agents at vaultbot.ai/mcp.