Bank · FDIC insured
Main Street Bank
A $1.7B bank headquartered in Marlborough, MA, with 6 branches in Massachusetts. Best rates: CDs 3.50% APY.
Main Street Bank Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#133 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Main Street Bank
Main Street Bank is a mutual bank headquartered in Marlborough, Massachusetts.
- Headquarters
- 81 Granger Blvd, Marlborough, MA 01752
- FDIC certificate
- 90235 ↗
Branches
6 branches in Massachusetts
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Massachusetts
6 branches
Boston area · 4
- Main Street BankMain office81 Granger Blvd, Marlborough, MA 01752Directions
- North Middlesex Svgs Br7 Main St, Ayer, MA 01432Directions
- Hudson Branch186 Main St, Hudson, MA 01749Directions
- Pepperell Branch80 Main St, Pepperell, MA 01463Directions
Worcester area · 2
- Northborough Branch101 W Main St, Northborough, MA 01532Directions
- Southborough Branch6 E Main St, Southborough, MA 01772Directions
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 | 12.04% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.69% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.63% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalLeverage ratio12.04%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.69%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.63%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$90Peers’ 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 Main Street Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.