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Martha'S Vineyard Bank
Edgartown, MA · FDIC Certificate #90190 · Chartered 04/1
Total assets
$1.33B
Total deposits
$1.07B
Total equity
$147.21M
Net loans
$1.12B
Branches (offices)
10
Net income (YTD)
$4.26M
Rank: #831 of 4,213 U.S. banks by assets · #38 of 89 in Massachusetts. Assets changed 1.0% and deposits 1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.65% |
| Return on equity | 5.89% |
| Net interest margin (YTD) | 3.14% |
| Equity to assets | 11.09% |
| Tier 1 leverage ratio | 11.75% |
| Uninsured deposits (share of deposits) | 31.8% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 104.7% |
| Real estate loans (share of loans) | 98.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.10B | 98.5% | |
| Commercial & industrial | $17.67M | 1.6% | |
| Consumer / individual | $5.00M | 0.4% | |
| Construction & development | $37.48M | 3.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.26B | $1.10B | $6.75M | $120.97M |
| Jun 2023 | $1.34B | $1.09B | $4.96M | $125.05M |
| Jun 2024 | $1.34B | $1.02B | $1.63M | $131.81M |
| Jun 2025 | $1.31B | $1.06B | $3.42M | $137.84M |
| Jun 2026 | $1.33B | $1.07B | $4.26M | $147.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $1.07B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.07B.
Similar-sized banks
Security Bank & Trust Company ($1.33B) · Cass Commercial Bank ($1.33B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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