Bank · FDIC insured
Martha’s Vineyard Bank
A $1.3B bank headquartered in Edgartown, MA, with 10 branches in Massachusetts. Best rates: CDs 3.70% and savings 0.08% APY.
Martha’s Vineyard Bank Carrot Score
63
Carrot Score
Higher than 8% of U.S. banks and credit unions
#3 of 3 in Vineyard Haven, MA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Martha’s Vineyard Bank
Martha's Vineyard Bank is a Certified B Corp bank originating from the Island's first cooperative bank established in 1909 to provide local savings and loan services.
Dukes County Savings Bank was chartered in 1955, merged with MV Co-operative Bank in 2007 to form Martha's Vineyard Savings Bank, and adopted its current name in 2019.
The bank operates multiple locations across the communities of Martha's Vineyard and Falmouth, Massachusetts.
- Headquarters
- 78 Main St, Edgartown, MA 02539
- FDIC certificate
- 90190 ↗
Branches
10 branches in Massachusetts
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Massachusetts
10 branches
Vineyard Haven area · 7
- Martha's Vineyard BankMain office78 Main St, Edgartown, MA 02539Directions
- Chilmark Branch517 South Rd, Chilmark, MA 02535Directions
- Four Flags Condominium Branch236 Edgartown Vineyard Haven Rd, Edgartown, MA 02539Directions
- Oak Bluffs Branch14 Oak Bluffs Avenue, Oak Bluffs, MA 02557Directions
- Oak Bluffs Branch4 Uncas Ave, Oak Bluffs, MA 02557Directions
- Martha'S Vineyard Co-Operative Bank Of Tisbury Branch11 State Rd, Vineyard Haven, MA 02568Directions
- West Tisbury Branch490 State Rd, West Tisbury, MA 02575Directions
Barnstable Town area · 3
- Falmouth Branch2 Water St, Falmouth, MA 02543Directions
- Palmer Avenue Falmouth Branch397 Palmer Ave, Falmouth, MA 02540Directions
- Village Green Branch84 Main St, Falmouth, MA 02540Directions
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 | 11.75% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.09% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.65% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $106 | $88 | — |
- CapitalLeverage ratio11.75%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.09%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.65%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$106Peers’ 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 Martha’s Vineyard Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.