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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Marblehead, MA · FDIC certificate #2608
NATIONAL GRAND BK MARBLEHEAD is an FDIC-insured institution based in Marblehead, MA (FDIC certificate #2608). In its Q3 2026 Call Report it reported total assets of $446M, total deposits of $365M and net loans of $332M. Its primary federal regulator is OCC.
Plain-language readout
NATIONAL GRAND BK MARBLEHEAD has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $446M in Q3 2026 and were lowest at $442M in Q1 2026.
Total deposits were highest at $366M in Q2 2026 and lowest at $364M in Q1 2026.
Over the whole period total assets rose 0.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $446M | $365M | $332M | 0.62% | 6.75% | 2.52% |
| Q2 2026 | $445M | $366M | $330M | 0.60% | 6.43% | 2.48% |
| Q1 2026 | $442M | $364M | $323M | 0.61% | 6.61% | 2.43% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $20.4M | $23.9M | -$3.5M | -14.7% |
| Federal funds sold | $1.1M | $718K | +$409K | +57.0% |
| 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) | $79.5M | $80.9M | -$1.4M | -1.8% |
| 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) | $329.9M | $322.7M | +$7.2M | +2.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.2M | $2.2M | -$52K | -2.4% |
| 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) | $11K | $11K | $0K | 0.0% |
| All other assets | $11.8M | $11.9M | -$98K | -0.8% |
| Total assets | $444.8M | $442.3M | +$2.5M | +0.6% |
| Liabilities | ||||
| Total deposits | $365.8M | $364.5M | +$1.4M | +0.4% |
| 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 | $33.2M | $32.7M | +$500K | +1.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.4M | $4.2M | +$224K | +5.4% |
| Total liabilities | $403.4M | $401.3M | +$2.1M | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $275K | $275K | $0K | 0.0% |
| Surplus | $3.5M | $3.5M | +$30K | +0.9% |
| Retained earnings | $42.5M | $42.1M | +$345K | +0.8% |
| Accumulated other comprehensive income | -$4.8M | -$4.9M | +$93K | +1.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $41.4M | $41.0M | +$468K | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $149K | $0K | +$149K | n/a |
| Adjusted nonperforming assets | $149K | $0K | +$149K | n/a |
| Tangible equity plus allowance | $42.6M | $42.1M | +$468K | +1.1% |
| Texas ratio (gross) | 0.35% | 0.00% | +0.35 pts | See points |
| Texas ratio (adjusted) | 0.35% | 0.00% | +0.35 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.35% | 0.00% | +0.35 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.31% | 10.21% | +0.10 pts | See points |
| Construction and land loans to total capital | 1.97% | 5.40% | -3.43 pts | See points |
| Commercial real estate to total capital | 9.15% | 12.80% | -3.65 pts | See points |
| Dividend payout, year to date | 71.89% | 95.89% | -24.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.86% | -14.22% | +0.35 pts | See points |
| Liquidity | ||||
| Core deposits | $314.2M | $309.9M | +$4.4M | +1.4% |
| Non-core funding | $84.8M | $87.3M | -$2.5M | -2.9% |
| Loans to core deposits | 105.35% | 104.50% | +0.84 pts | See points |
| Loans to deposits | 90.50% | 88.85% | +1.65 pts | See points |
| Brokered deposits share of deposits | 2.34% | 2.60% | -0.26 pts | See points |
| Pledged securities share of securities | 9.00% | 9.09% | -0.09 pts | See points |
| Loans pledged, share of loans | 86.44% | 87.10% | -0.66 pts | See points |
| Volatile liabilities | $84.8M | $87.3M | -$2.5M | -2.9% |
| Earnings | ||||
| Earnings before provision, year to date | $1.6M | $838K | +$797K | +95.1% |
| Earnings before provision, single quarter | $797K | $838K | -$41K | -4.9% |
| Provision for credit losses, year to date | -$21K | -$13K | -$8K | -61.5% |
| Yield and cost | ||||
| Yield on loans and leases | 4.49% | 4.46% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 4.13% | 3.51% | +0.62 pts | See points |
| Total interest income to average assets | 4.03% | 3.97% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 1.42% | 1.50% | -0.07 pts | See points |
| Cost of savings and money market deposits | 1.28% | 1.27% | +0.01 pts | See points |
| Cost of time deposits | 3.85% | 3.87% | -0.02 pts | See points |
| Total interest expense to average assets | 1.62% | 1.67% | -0.05 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 | $446M | $365M | $332M | 0.62% | 6.75% | 2.52% |
| 2026-06-30 | $445M | $366M | $330M | 0.60% | 6.43% | 2.48% |
| 2026-03-31 | $442M | $364M | $323M | 0.61% | 6.61% | 2.43% |
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 | $367.1M | 0.06% | 88 | 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.