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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Marblehead, MA · FDIC certificate #90234
MARBLEHEAD BANK is an FDIC-insured institution based in Marblehead, MA (FDIC certificate #90234). In its Q3 2026 Call Report it reported total assets of $266M, total deposits of $233M and net loans of $212M. Its primary federal regulator is FED.
Plain-language readout
MARBLEHEAD BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $266M in Q3 2026 and were lowest at $263M in Q2 2026.
Total deposits were highest at $233M in Q3 2026 and lowest at $229M in Q2 2026.
Over the whole period total assets rose 1.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $266M | $233M | $212M | 0.45% | 4.55% | 3.99% |
| Q2 2026 | $263M | $229M | $211M | 0.44% | 4.44% | 3.99% |
| Q1 2026 | $263M | $230M | $211M | 0.44% | 4.47% | 3.94% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $21.6M | $22.9M | -$1.3M | -5.7% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $15.4M | $15.4M | -$15K | -0.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $211.4M | $211.2M | +$203K | +0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.0M | $1.3M | +$723K | +56.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $78K | $91K | -$13K | -14.3% |
| All other assets | $12.0M | $12.1M | -$119K | -1.0% |
| Total assets | $262.5M | $263.0M | -$539K | -0.2% |
| Liabilities | ||||
| Total deposits | $229.4M | $230.2M | -$800K | -0.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.7M | $6.7M | -$18K | -0.3% |
| Total liabilities | $236.1M | $236.9M | -$818K | -0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $26.9M | $26.6M | +$291K | +1.1% |
| Accumulated other comprehensive income | -$430K | -$418K | -$12K | -2.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $26.4M | $26.2M | +$279K | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $633K | $1.1M | -$458K | -42.0% |
| Adjusted nonperforming assets | $633K | $1.1M | -$458K | -42.0% |
| Tangible equity plus allowance | $27.6M | $27.3M | +$327K | +1.2% |
| Texas ratio (gross) | 2.29% | 3.99% | -1.70 pts | See points |
| Texas ratio (adjusted) | 2.29% | 3.99% | -1.70 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.29% | 3.99% | -1.70 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.99% | 16.99% | -0.00 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.99% | 16.99% | -0.00 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.82% | 0.81% | +0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.81% | 17.80% | +0.00 pts | See points |
| Tier 1 leverage (approximate) | 10.11% | 10.23% | -0.12 pts | See points |
| Construction and land loans to total capital | 15.94% | 12.50% | +3.44 pts | See points |
| Commercial real estate to total capital | 101.29% | 94.78% | +6.50 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.25% | -0.20% | -0.05 pts | See points |
| Liquidity | ||||
| Core deposits | $203.4M | $204.3M | -$948K | -0.5% |
| Non-core funding | $26.0M | $25.8M | +$148K | +0.6% |
| Loans to core deposits | 104.57% | 103.97% | +0.60 pts | See points |
| Loans to deposits | 92.73% | 92.30% | +0.43 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 46.89% | 48.61% | -1.72 pts | See points |
| Volatile liabilities | $26.0M | $25.8M | +$148K | +0.6% |
| Earnings | ||||
| Earnings before provision, year to date | $739K | $343K | +$396K | +115.5% |
| Earnings before provision, single quarter | $396K | $343K | +$53K | +15.5% |
| Provision for credit losses, year to date | $3K | -$22K | +$25K | +113.6% |
| Yield and cost | ||||
| Yield on loans and leases | 4.99% | 5.03% | -0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.60% | 3.44% | +0.15 pts | See points |
| Total interest income to average assets | 4.55% | 4.59% | -0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 0.07% | 0.07% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.46% | 0.42% | +0.04 pts | See points |
| Cost of time deposits | 3.24% | 3.31% | -0.06 pts | See points |
| Total interest expense to average assets | 0.79% | 0.80% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $266M | $233M | $212M | 0.45% | 4.55% | 3.99% |
| 2026-06-30 | $263M | $229M | $211M | 0.44% | 4.44% | 3.99% |
| 2026-03-31 | $263M | $230M | $211M | 0.44% | 4.47% | 3.94% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MA | $225.6M | 0.04% | 98 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.