County banking markets / MA / 25027
WorcesterMassachusetts
FIPS 25027. 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 (472) and unconcentrated on deposits (666).
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
211 branch offices and 36 institutions in 1994; 193 and 28 in 2025. Deposits booked in the county went from $6.83B to $23.70B, 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 | $3.06B | 12.93% | 11 | 5.70% |
| 2 | UniBank for Savings cert 90290 | $2.43B | 10.27% | 14 | 7.25% |
| 3 | Berkshire Bank cert 23621 | $2.30B | 9.69% | 12 | 6.22% |
| 4 | TD Bank, National Association cert 18409 | $2.22B | 9.35% | 13 | 6.74% |
| 5 | Santander Bank, N.A. cert 29950 | $1.79B | 7.54% | 13 | 6.74% |
| 6 | Cornerstone Bank cert 90282 | $1.33B | 5.63% | 12 | 6.22% |
| 7 | Fidelity Co-operative Bank cert 26451 | $1.20B | 5.05% | 11 | 5.70% |
| 8 | Webster Five Cents Savings Bank cert 90297 | $1.00B | 4.22% | 7 | 3.63% |
| 9 | Bankhometown cert 26523 | $974.1M | 4.11% | 11 | 5.70% |
| 10 | Avidia Bank cert 90215 | $639.9M | 2.70% | 5 | 2.59% |
| 11 | Rollstone Bank & Trust cert 17797 | $593.9M | 2.51% | 6 | 3.11% |
| 12 | Clinton Savings Bank cert 90181 | $591.2M | 2.49% | 8 | 4.15% |
| 13 | Rockland Trust Company cert 9712 | $579.8M | 2.45% | 8 | 4.15% |
| 14 | Athol Savings Bank cert 90146 | $558.4M | 2.36% | 5 | 2.59% |
| 15 | Savers Co-operative Bank cert 26455 | $553.8M | 2.34% | 7 | 3.63% |
| 16 | Bay State Savings Bank cert 90311 | $494.2M | 2.09% | 7 | 3.63% |
| 17 | Citizens Bank, National Association cert 57957 | $485.3M | 2.05% | 7 | 3.63% |
| 18 | Middlesex Savings Bank cert 90183 | $479.0M | 2.02% | 4 | 2.07% |
| 19 | Manufacturers and Traders Trust Company cert 588 | $443.0M | 1.87% | 6 | 3.11% |
| 20 | Country Bank for Savings cert 23992 | $412.4M | 1.74% | 8 | 4.15% |
| 21 | Enterprise Bank and Trust Company cert 27408 | $361.4M | 1.53% | 2 | 1.04% |
| 22 | Milford Federal Bank cert 29835 | $351.0M | 1.48% | 3 | 1.55% |
| 23 | North Brookfield Savings Bank cert 90258 | $261.0M | 1.10% | 4 | 2.07% |
| 24 | Main Street Bank cert 90235 | $207.8M | 0.88% | 2 | 1.04% |
| 25 | Dean Co-operative Bank cert 27269 | $128.5M | 0.54% | 2 | 1.04% |
| 26 | Millbury National Bank cert 2616 | $113.9M | 0.48% | 1 | 0.52% |
| 27 | JPMorgan Chase Bank, National Association cert 628 | $85.3M | 0.36% | 3 | 1.55% |
| 28 | Charles River Bank cert 26602 | $56.6M | 0.24% | 1 | 0.52% |
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.