Vitals
  • Total Assets
    437.0M 6.7 %
  • Total Deposits
    352.6M 5.9 %
  • Total Net Loans
    324.6M 11.2 %
  • Net Income
    2.3M 18.2 %
  • Book Value
    37.9M 5.6 %
  • Book Value x2
    75.7M 5.6 %
  • Book Value x3
    113.6M 5.6 %
ROAA

.563

ROAE

6.263

Efficiency Ratio

79.557

Net Interest Margin

3.402

Balance Sheet Highlights
Financial Highlights North Middlesex Savings Bank All Insured Savings Banks in Massachusetts
Balance Sheet $(000)
Total Assets 437,046 761,274
Total Net Loans 324,629 592,852
Total Deposits 352,600 596,855
Total Equity 37,852 82,059
Profitability
Net Income 2,342 4,648
Return on Average Assets .563 .538
Return on Average Equity 6.263 4.944
Net Interest Margin 3.402 3.143
Efficiency Ratio 79.557 77.098
Noninterest Income/Revenue 12.048 14.538
Balance Sheet Ratios
Loan-to-Deposit 92.067 95.714
Securities/Assets .135 .124
Total Equity/Total Assets .087 .108
Tangible Equity/Tangible Assets .086 .106
Capital Adequacy
Tier 1 Common Capital 38,387 80,540
Tier 1 Capital 38,387 80,580
Tier 2 Capital 4,123 5,839
Total Capital 42,510 86,408
Total Risk Weighted Assets 330,079 559,688
Leverage Ratio 9.02 10.827
Common Equity Tier 1 Capital Ratio 11.63 15.478
Tier 1 Capital Ratio 11.63 15.53
Total Capital Ratio 12.88 16.563

Timeline for North Middlesex Savings Bank

North Middlesex Savings Bank

North Middlesex Savings Bank was established 139 years ago and is currently headquartered in Ayer, MA.

Mar 05 1885
Relationships Role Relationship Start Relationship End
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