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Onelocal Bank
Norwood, MA · FDIC Certificate #26555 · Chartered 01/0
Total assets
$1.05B
Total deposits
$842.97M
Total equity
$146.17M
Net loans
$903.15M
Branches (offices)
4
Net income (YTD)
$5.16M
Rank: #1,002 of 4,213 U.S. banks by assets · #47 of 89 in Massachusetts. Assets changed 3.1% and deposits 2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 7.18% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 13.90% |
| Tier 1 leverage ratio | 13.68% |
| Uninsured deposits (share of deposits) | 36.8% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 107.1% |
| Real estate loans (share of loans) | 100.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $905.02M | 100.2% | |
| Commercial & industrial | $6.50M | 0.7% | |
| Consumer / individual | $890.00K | 0.1% | |
| Construction & development | $177.43M | 19.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $669.55M | $558.12M | $3.33M | $96.18M |
| Jun 2023 | $894.47M | $721.56M | $4.22M | $120.78M |
| Jun 2024 | $922.61M | $737.16M | $2.25M | $127.05M |
| Jun 2025 | $1.02B | $822.84M | $3.81M | $134.65M |
| Jun 2026 | $1.05B | $842.97M | $5.16M | $146.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $842.97M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $842.97M.
Similar-sized banks
Gnbank, National Association ($1.05B) · United Bankers' Bank ($1.05B)
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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