Unverified listing What this means
The Lender Report built this page from public records. Middlesex Savings Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Middlesex Savings Bank itself. Each figure shows its source and date. Work at Middlesex Savings Bank? You can claim this page for free.
Bank, Natick, MA
Middlesex Savings Bank
A bank based in Natick, MA. Its commercial book is led by non-owner-occupied CRE and construction. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $2.12B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 7
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 22
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $6.15B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.middlesexbank.comFrom the FDIC record, November 9, 2026.
- Address
- 6 Main St, Natick, MA 01760FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Middlesex Savings Bank's Construction balance rose 11.9% to $269.6M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 9 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 6.7% to $1.2B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 1.7% to $243M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| 2024 | Reported making 255 small business loans totaling $48.6M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Mar 2026 | Massachusetts | SBA 7(a), Book Retailers and News Dealers | $330K | 7% | 10 yr | SBA FOIA | |
| Mar 2026 | Massachusetts | SBA 7(a), Book Retailers and News Dealers | $50K | 7.75% | 10 yr | SBA FOIA | |
| Feb 2026 | Massachusetts | SBA 7(a), Interior Design Services | $150K | 7.75% | 10 yr | SBA FOIA | |
| Feb 2026 | Massachusetts | SBA 7(a), Beauty Salons | $100K | 6.25% | 8 yr | SBA FOIA | |
| Feb 2026 | Massachusetts | SBA 7(a), Beauty Salons | $30K | 7% | 10 yr | SBA FOIA | |
| 2025 | Middlesex County, MA | Refinance, 100 to 149 units | $15M | 7.5% | 15 yr | 56% | HMDA 2025 |
| 2025 | Essex County, MA | Refinance, 25 to 49 units | $6M | 6.5% | 5 yr | 67% | HMDA 2025 |
| 2025 | Suffolk County, MA | Refinance, 5 to 24 units | $4.2M | 6.5% | 9 yr | 47% | HMDA 2025 |
| 2025 | Essex County, MA | Purchase, 25 to 49 units | $1.5M | 6% | 1.5 yr | 43% | HMDA 2025 |
| 2025 | Middlesex County, MA | Purchase, 5 to 24 units | $1.1M | 6.75% | 20 yr | 65% | HMDA 2025 |
| 2025 | Providence County, RI | Refinance, 5 to 24 units | $680K | 6.28% | 25 yr | 80% | HMDA 2025 |
| 2025 | Middlesex County, MA | Purchase, 5 to 24 units | $640K | 6.5% | 25 yr | 74% | HMDA 2025 |
| Nov 2025 | Massachusetts | SBA 7(a), Offices of All Other Miscellaneous Health Practitioners | $220K | 6.25% | 6 yr | SBA FOIA | |
| Nov 2025 | Massachusetts | SBA 7(a), Offices of All Other Miscellaneous Health Practitioners | $150K | 7.5% | 10 yr | SBA FOIA | |
| Jul 2025 | Massachusetts | SBA 504, Retail Trade | $310K | 25 yr | SBA FOIA | ||
| May 2025 | Massachusetts | SBA 7(a), Limited-Service Restaurants | $60K | 8.5% | 10 yr | SBA FOIA | |
| Apr 2025 | Massachusetts | SBA 7(a), Site Preparation Contractors | $260K | 6.25% | 7 yr | SBA FOIA | |
| Apr 2025 | Massachusetts | SBA 7(a), Administrative Management and General Management Consulting Services | $40K | 7.5% | 5 yr | SBA FOIA | |
| Apr 2025 | Massachusetts | SBA 7(a), Administrative Management and General Management Consulting Services | $25K | 9.5% | 10 yr | SBA FOIA | |
| Apr 2025 | Massachusetts | SBA 7(a), Landscape Architectural Services | $25K | 7.5% | 10 yr | SBA FOIA | |
| Feb 2025 | Massachusetts | SBA 504, Other Services (except Public Administration) | $1M | 25 yr | SBA FOIA | ||
| Nov 2024 | Massachusetts | SBA 504, Construction | $720K | 25 yr | SBA FOIA | ||
| Aug 2024 | Massachusetts | SBA 504, Full-Service Restaurants | $410K | 25 yr | SBA FOIA | ||
| Apr 2024 | Massachusetts | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $200K | 8.5% | 8 yr | SBA FOIA | |
| 13 SBA 7(a) loans since October 2023, net of cancelled | $1.63M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $199M | 5.3% | +3.3% |
| Construction and land development | $270M | 7.1% | -12.5% |
| Owner-occupied CRE | $243M | 6.4% | +1.7% |
| Non-owner-occupied CRE | $1.21B | 32.0% | +6.7% |
| Farmland | $90.0K | 0.0% | Not reported |
| Commercial and industrial | $195M | 5.2% | +5.1% |
| Commercial total | $2.12B |
Reference only: $1.61B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $2.32B |
| Q4 2023 | $2.30B |
| Q1 2024 | $2.30B |
| Q2 2024 | $2.26B |
| Q3 2024 | $2.23B |
| Q4 2024 | $2.19B |
| Q1 2025 | $2.12B |
| Q2 2025 | $2.06B |
| Q3 2025 | $2.03B |
| Q4 2025 | $2.08B |
| Q1 2026 | $2.08B |
| Q2 2026 | $2.12B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 7 | $28.6M | $1.50M | $15M | HMDA, |
| 1-4 unit investor or business purpose | 2025 | 87 | $45.5M | $485K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 13 | $1.63M | $100K | $330K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 7 | $1.03M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 9 | $10.2M | $725K | $3.5M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, Boston district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Middlesex Savings Bank reported making 255 small business loans totaling $48,583,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 145 of $100,000 or less, 53 over $100,000 up to $250,000, 57 over $250,000 up to $1 million.
- 131 of them, totaling $16,530,000, went to businesses with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Middlesex County, MA | 148 | $23.2M |
| Norfolk County, MA | 50 | $9.43M |
| Worcester County, MA | 27 | $6.84M |
| Bristol County, MA | 8 | $1.97M |
| Suffolk County, MA | 5 | $1.82M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Middlesex Savings Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $95,556,000 for 1-4 family residential construction and $98,025,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $321,552,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 3,137 | $12.1M |
| Over $100,000 up to $250,000 | 381 | $22.2M |
| Over $250,000 up to $1 million | 349 | $55.1M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 53 | $1.26M |
| Over $100,000 up to $250,000 | 63 | $5.97M |
| Over $250,000 up to $1 million | 275 | $100M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 1 | $73.0K |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 9 | $96.0K |
| Over $100,000 up to $250,000 | 2 | $184K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Massachusetts HQ | 35 | 6 | 84 | 13 | 9 |
| Rhode Island | 0 | 1 | 3 | 0 | 0 |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Cambridge-Newton-Framingham, MA | 5 | $23.8M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Middlesex Savings Bank has 32 offices in 3 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 32 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Middlesex County, MA | 21 | 0 |
| Norfolk County, MA | 8 | 0 |
| Worcester County, MA | 3 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $129M | $46.0M to $148M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 196.2% | 77.5% to 339.8% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 31.4% | 11.3% to 88.1% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 73.2% | 83.6% to 126.5% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $194M | $61.5M to $548M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 61.6% | 69.2% to 87.4% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- SBA Express
- 9 loans
- Approval to first disbursement
- 25.5 days, median of 10
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Cambridge Savings Bank | MA | $6.98B | $3.69B |
| Salem Five Cents Savings Bank | MA | $8.82B | $3.78B |
| The Cape Cod Five Cents Savings Bank | MA | $5.62B | $921M |
| Leader Bank, National Association | MA | $5.28B | $1.59B |
| Institution for Savings in Newburyport and Its Vicinity | MA | $5.56B | $1.05B |
| PeoplesBank | MA | $4.62B | $1.65B |
| UniBank for Savings | MA | $3.11B | $538M |
| Needham Bank | MA | $7.42B | $4.54B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Middlesex Savings Bank, FDIC certificate 90183. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $6.15B in total assets and $2.12B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 116 recorded loans from HMDA and SBA files, through September 30, 2026: 7 HMDA multifamily 2025, 87 HMDA 1-4 unit investor 2025, 13 SBA 7(a) in 36 months, 9 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Middlesex Savings Bank]
- Phone and website. No phone number is on record. Website middlesexbank.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 255 small business loans reported in its CRA filing for 2024. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 90183
- RSSD
- 888002
- LEI
- VMDPCBOQ43W3PZTYZL93
- The Lender Report ID
- lr_000316
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Boston-Cambridge-Newton, MA-NH
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $6.1B in total assets as of June 30, 2026 (FDIC call report).
- Held $2.1B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $1.2B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 6.7% from a year earlier (FDIC call report).
- Held $269.6M of construction and land loans as of June 30, 2026 (FDIC call report).
- Held $243M of owner-occupied commercial real estate loans as of June 30, 2026, up 1.7% from a year earlier (FDIC call report).
- Originated 7 multifamily loans totaling $28.6M in 2025 (HMDA).
8 more sentences
- Originated 87 1-4 unit investor or business-purpose loans totaling $45.5M in 2025 (HMDA).
- Recorded 17 SBA 7(a) approvals totaling $2.1M from October 1, 2023 to September 30, 2026, of which 4 were later cancelled (SBA).
- Provided the first lien on 9 SBA 504 projects with $10.2M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 35 offices in 1 state (FDIC).
- Reported making 255 small business loans totaling $48.6M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 3,867 commercial and industrial loans that were $1 million or less when made, with a balance of $89.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 391 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $107.6M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $95.6M for 1-4 family and $98M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Middlesex Savings Bank, https://lender.report/lender/middlesex-savings-bank-ma/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Work at Middlesex Savings Bank? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem