Bank · FDIC insured
StonehamBank
A $918.3M bank headquartered in Stoneham, MA, with 2 branches in Massachusetts. Best rates: CDs 4.25% and savings 0.05% APY.
StonehamBank Carrot Score
71
Carrot Score
Higher than 30% of U.S. banks and credit unions
#91 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About StonehamBank
StonehamBank has operated for more than 135 years.
- Headquarters
- 80 Montvale Ave, Stoneham, MA 02180
- FDIC certificate
- 26559 ↗
Branches
2 branches in Massachusetts
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Massachusetts
2 branches
- StonehamBank, A Co-operative BankMain office80 Montvale Ave, Stoneham, MA 02180Directions
- Billerica Branch493 Boston Rd, Billerica, MA 01821Directions
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 | 8.94% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.32% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.51% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $93 | $81 | — |
- CapitalLeverage ratio8.94%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.32%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.51%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$93Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 StonehamBank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.