RANKING · Q2 2026

Lowest efficiency ratio in Massachusetts

90 of 94 banks in Massachusetts that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.

Lowest efficiency ratio in Massachusetts, Q2 2026
Rank	Institution	Headquarters	Efficiency ratio (noninterest expense / revenue)	Total assets
1	Hingham Institution for Savings	Hingham, MA	37.5%	$4.6 billion
2	Northern Bank & Trust Company	Woburn, MA	45.1%	$3.4 billion
3	Rockland Trust Company	Rockland, MA	53.3%	$25.0 billion
4	Eastern Bank	Boston, MA	53.5%	$31.1 billion
5	Unibank for Savings	Whitinsville, MA	55.0%	$3.1 billion
6	Salem Five Cents Savings Bank	Salem, MA	55.1%	$8.8 billion
7	Beacon Bank & Trust	Brookline, MA	56.2%	$22.2 billion
8	Everett Co-Operative Bank	Everett, MA	56.2%	$1.7 billion
9	Cape Ann Savings Bank	Gloucester, MA	56.3%	$1.1 billion
10	Walpole Co-Operative Bank	Walpole, MA	56.4%	$646 million
11	Needham Bank	Needham, MA	56.9%	$7.4 billion
12	Computershare Trust Company N.A.	Canton, MA	58.6%	$1.0 billion
13	The Lowell Five Cent Savings Bank	Tewksbury, MA	59.2%	$1.9 billion
14	Mechanics Cooperative Bank	Taunton, MA	59.3%	$899 million
15	Leader Bank N.A.	Arlington, MA	59.5%	$5.3 billion
16	Onelocal Bank	Norwood, MA	59.6%	$1.1 billion
17	Bankhometown	Oxford, MA	61.0%	$1.6 billion
18	Bank of Easton	North Easton, MA	61.0%	$249 million
19	State Street Bank and Trust Company	Boston, MA	63.0%	$413 billion
20	Middlesex Savings Bank	Natick, MA	63.4%	$6.1 billion
21	Avidia Bank	Hudson, MA	64.4%	$2.8 billion
22	Watertown Savings Bank	Watertown, MA	64.8%	$1.4 billion
23	Mutualone Bank	Framingham, MA	65.5%	$1.2 billion
24	Monson Savings Bank	Monson, MA	65.5%	$806 million
25	Florence Bank	Florence, MA	66.1%	$2.0 billion
26	Stoughton Co-Operative Bank	Stoughton, MA	67.0%	$135 million
27	Mountainone Bank	North Adams, MA	67.1%	$1.1 billion
28	Country Bank for Savings	Ware, MA	67.2%	$2.2 billion
29	Winchester Co-Operative Bank	Winchester, MA	67.4%	$947 million
30	North Shore Bank, A Co-Operative Bank	Peabody, MA	67.7%	$3.3 billion
31	Webster Five Cents Savings Bank	Webster, MA	68.0%	$1.3 billion
32	Westfield Bank	Westfield, MA	68.0%	$2.7 billion
33	Millbury National Bank	Millbury, MA	68.5%	$147 million
34	Lee Bank	Lee, MA	68.6%	$591 million
35	North Easton Savings Bank	South Easton, MA	69.2%	$1.8 billion
36	South Shore Bank	South Weymouth, MA	69.2%	$2.5 billion
37	Savers Co-Operative Bank	Southbridge, MA	69.8%	$783 million
38	Peoplesbank	Holyoke, MA	70.5%	$4.6 billion
39	The Village Bank	Newton, MA	70.7%	$2.1 billion
40	Dedham Institution for Savings	Dedham, MA	70.9%	$2.6 billion
41	Cape Cod Five Cents Savings Bank	Hyannis, MA	71.1%	$5.6 billion
42	The Bank of Canton	Canton, MA	72.1%	$783 million
43	Main Street Bank	Marlborough, MA	72.1%	$1.7 billion
44	Cambridge Savings Bank	Cambridge, MA	72.1%	$7.0 billion
45	Commonwealth Cooperative Bank	Hyde Park, MA	73.9%	$205 million
46	National Grand Bank of Marblehead	Marblehead, MA	74.0%	$445 million
47	Winchester Savings Bank	Winchester, MA	74.1%	$1.1 billion
48	Institution for Savings in Newburyport and Its Vicinity	Newburyport, MA	74.3%	$5.6 billion
49	Martha'S Vineyard Bank	Edgartown, MA	74.6%	$1.3 billion
50	Cape & Coast Bank	Yarmouth Port, MA	74.7%	$1.7 billion
51	Stonehambank	Stoneham, MA	75.3%	$918 million
52	Fidelity Co-Operative Bank	Leominster, MA	75.6%	$1.3 billion
53	Adams Community Bank	Adams, MA	75.8%	$1.0 billion
54	Bankesb	Easthampton, MA	76.0%	$2.0 billion
55	Greenfield Savings Bank	Greenfield, MA	76.0%	$1.5 billion
56	North Brookfield Savings Bank	North Brookfield, MA	76.3%	$449 million
57	Canton Co-Operative Bank	Canton, MA	76.4%	$155 million
58	Bristol County Savings Bank	Taunton, MA	77.1%	$3.3 billion
59	Methuen Co-Operative Bank	Methuen, MA	77.1%	$141 million
60	East Cambridge Savings Bank	Cambridge, MA	78.1%	$1.7 billion
61	Greenfield Co-Operative Bank	Greenfield, MA	78.2%	$902 million
62	Fall River Five Cents Savings Bank	Fall River, MA	79.1%	$1.9 billion
63	Pentucket Bank	Haverhill, MA	79.7%	$1.1 billion
64	Bluestone Bank	Raynham, MA	79.8%	$1.6 billion
65	Eagle Bank	Everett, MA	80.0%	$709 million
66	Coastal Heritage Bank	Weymouth, MA	80.3%	$984 million
67	Bay State Savings Bank	Worcester, MA	80.3%	$580 million
68	Charles River Bank	Medway, MA	80.4%	$336 million
69	Reading Co-Operative Bank	Reading, MA	80.4%	$1.2 billion
70	Haverhill Bank	Haverhill, MA	82.1%	$637 million
71	Bankgloucester	Gloucester, MA	82.1%	$387 million
72	Baycoast Bank	Swansea, MA	83.0%	$2.9 billion
73	Milford Federal Bank	Milford, MA	83.3%	$545 million
74	Cornerstone Bank	Spencer, MA	84.2%	$2.6 billion
75	Seamens Bank	Provincetown, MA	85.1%	$478 million
76	Marblehead Bank	Marblehead, MA	85.4%	$263 million
77	Newburyport Five Cents Savings Bank	Newburyport, MA	85.4%	$1.6 billion
78	Dean Co-Operative Bank	Franklin, MA	87.0%	$494 million
79	Washington Savings Bank	Lowell, MA	87.7%	$302 million
80	Pittsfield Co-Operative Bank	Pittsfield, MA	91.7%	$452 million
81	The Savings Bank	Wakefield, MA	92.6%	$891 million
82	Middlesex Federal Savings F.A.	Somerville, MA	93.9%	$654 million
83	Winter Hill Bank FSB	Somerville, MA	95.7%	$408 million
84	Wrentham Co-Operative Bank	Wrentham, MA	95.8%	$193 million
85	Clinton Savings Bank	Clinton, MA	96.4%	$745 million
86	Wellington Trust Company N.A.	Boston, MA	96.7%	$109 million
87	New Valley Bank & Trust	Springfield, MA	98.3%	$385 million
88	Rollstone Bank & Trust	Fitchburg, MA	98.3%	$816 million
89	The Cooperative Bank	Roslindale, MA	99.5%	$548 million
90	Oneunited Bank	Boston, MA	111.2%	$638 million

Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings