County banking markets / MA / 25017
MiddlesexMassachusetts
FIPS 25017. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 14 counties in Massachusetts’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (527) and unconcentrated on deposits (761).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
457 branch offices and 68 institutions in 1994; 446 and 47 in 2025. Deposits booked in the county went from $21.02B to $83.76B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Bank of America, National Association cert 3510 | $16.73B | 19.97% | 44 | 9.87% |
| 2 | Citizens Bank, National Association cert 57957 | $8.67B | 10.35% | 51 | 11.43% |
| 3 | TD Bank, National Association cert 18409 | $5.71B | 6.82% | 25 | 5.61% |
| 4 | Cambridge Savings Bank cert 17870 | $5.37B | 6.41% | 19 | 4.26% |
| 5 | Eastern Bank cert 32773 | $4.93B | 5.88% | 33 | 7.40% |
| 6 | Leader Bank, National Association cert 57134 | $4.04B | 4.83% | 5 | 1.12% |
| 7 | Middlesex Savings Bank cert 90183 | $3.85B | 4.60% | 22 | 4.93% |
| 8 | Manufacturers and Traders Trust Company cert 588 | $3.49B | 4.17% | 14 | 3.14% |
| 9 | Santander Bank, N.A. cert 29950 | $3.42B | 4.09% | 31 | 6.95% |
| 10 | Northern Bank & Trust Company cert 18266 | $2.67B | 3.19% | 14 | 3.14% |
| 11 | Enterprise Bank and Trust Company cert 27408 | $2.33B | 2.78% | 13 | 2.91% |
| 12 | Avidia Bank cert 90215 | $1.81B | 2.16% | 5 | 1.12% |
| 13 | The Village Bank cert 26336 | $1.78B | 2.12% | 10 | 2.24% |
| 14 | Brookline Bank cert 17798 | $1.48B | 1.77% | 11 | 2.47% |
| 15 | JPMorgan Chase Bank, National Association cert 628 | $1.48B | 1.76% | 24 | 5.38% |
| 16 | Rockland Trust Company cert 9712 | $1.46B | 1.75% | 17 | 3.81% |
| 17 | Watertown Savings Bank cert 23298 | $1.30B | 1.55% | 10 | 2.24% |
| 18 | The Lowell Five Cent Savings Bank cert 90227 | $1.24B | 1.48% | 12 | 2.69% |
| 19 | Main Street Bank cert 90235 | $1.22B | 1.46% | 4 | 0.90% |
| 20 | East Cambridge Savings Bank cert 90173 | $1.19B | 1.41% | 11 | 2.47% |
| 21 | Salem Five Cents Savings Bank cert 23296 | $1.05B | 1.26% | 12 | 2.69% |
| 22 | Needham Bank cert 26483 | $983.8M | 1.17% | 3 | 0.67% |
| 23 | MutualOne Bank cert 26395 | $853.8M | 1.02% | 3 | 0.67% |
| 24 | Everett Co-operative Bank cert 26444 | $819.6M | 0.98% | 2 | 0.45% |
| 25 | Reading Co-operative Bank cert 26620 | $796.0M | 0.95% | 8 | 1.79% |
| 26 | StonehamBank, A Co-operative Bank cert 26559 | $715.6M | 0.85% | 2 | 0.45% |
| 27 | Winchester Co-operative Bank cert 27238 | $713.3M | 0.85% | 2 | 0.45% |
| 28 | Winchester Savings Bank cert 90308 | $634.4M | 0.76% | 4 | 0.90% |
| 29 | Middlesex Federal Savings, F.A. cert 28368 | $589.8M | 0.70% | 4 | 0.90% |
| 30 | The Savings Bank cert 90291 | $574.5M | 0.69% | 5 | 1.12% |
| 31 | PNC Bank, National Association cert 6384 | $410.4M | 0.49% | 4 | 0.90% |
| 32 | Eagle Bank cert 90191 | $405.2M | 0.48% | 3 | 0.67% |
| 33 | Winter Hill Bank, FSB cert 28213 | $297.3M | 0.35% | 3 | 0.67% |
| 34 | Washington Savings Bank cert 90229 | $231.5M | 0.28% | 2 | 0.45% |
| 35 | Rollstone Bank & Trust cert 17797 | $112.5M | 0.13% | 2 | 0.45% |
| 36 | Fidelity Co-operative Bank cert 26451 | $99.1M | 0.12% | 1 | 0.22% |
| 37 | North Cambridge Co-operative Bank cert 26567 | $59.1M | 0.07% | 1 | 0.22% |
| 38 | Webster Bank, National Association cert 18221 | $52.9M | 0.06% | 1 | 0.22% |
| 39 | NorthEast Community Bank cert 29147 | $38.3M | 0.05% | 1 | 0.22% |
| 40 | North Shore Bank, a Co-operative Bank cert 26484 | $36.0M | 0.04% | 1 | 0.22% |
| 41 | Berkshire Bank cert 23621 | $34.6M | 0.04% | 1 | 0.22% |
| 42 | UniBank for Savings cert 90290 | $32.9M | 0.04% | 1 | 0.22% |
| 43 | First-Citizens Bank & Trust Company cert 11063 | $21.4M | 0.03% | 1 | 0.22% |
| 44 | HarborOne Bank cert 59070 | $18.8M | 0.02% | 1 | 0.22% |
| 45 | Dedham Institution for Savings cert 23620 | $14.3M | 0.02% | 1 | 0.22% |
| 46 | Beal Bank USA cert 57833 | $5.9M | 0.01% | 1 | 0.22% |
| 47 | The Bank of New York Mellon Trust Company, National Association cert 23472 | $0K | 0.00% | 1 | 0.22% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Massachusetts, or read the methodology for the two HHI constructions and what they cannot tell you.