Bank · FDIC insured
Fidelity Bank
Top CarrotA $1.3B bank headquartered in Leominster, MA, with 13 branches in Massachusetts. Best rates: CDs 4.00% and savings 2.75% APY.
Fidelity Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#8 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Fidelity Bank
Fidelity Bank is a financial institution serving Central Massachusetts.
The bank offers specialized industry banking in municipal banking, non-profit banking, construction and development, and renewable energy.
- Headquarters
- 9 Leominster Connector, Leominster, MA 01453
- FDIC certificate
- 26451 ↗
Branches
13 branches in Massachusetts
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Massachusetts
13 branches
Worcester area · 11
- Fidelity Co-operative BankMain office9 Leominster Connector, Leominster, MA 01453Directions
- Barre Branch56 Common St, Barre, MA 01005Directions
- Twin City Branch130 Whalon St, Fitchburg, MA 01420Directions
- Gardner Branch6 City Hall Ave, Gardner, MA 01440Directions
- Leominster Branch75 Main St, Leominster, MA 01453Directions
- Millbury Branch16 S Main St, Millbury, MA 01527Directions
- Paxton Branch713 Pleasant St, Paxton, MA 01612Directions
- Princeton Branch206 Worcester Rd, Princeton, MA 01541Directions
- Winchendon Branch1 School Sq, Winchendon, MA 01475Directions
- Front Street Branch153 Front St, Worcester, MA 01608Directions
- Worcester Branch465 Shrewsbury St, Worcester, MA 01604Directions
Boston area · 2
- Needham Branch129 Chestnut St, Needham, MA 02492Directions
- Shirley Branch21 Main St, Shirley, MA 01464Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.86% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 4.44% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.80% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $86 | $88 | — |
- CapitalLeverage ratio9.86%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent4.44%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.80%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$86Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Fidelity Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.