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Main Street Bank (MA)

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Overview / Commentary

bankmainstreet.com

508-481-8300

81 Granger Boulevard
Marlborough, MA 01752

Main Street Bank (MA) is headquartered in Marlborough and is the 40^th largest bank in the state of Massachusetts. It is also the 762^nd largest bank in the nation. It was established in 1860 and as of March of 2019, it had grown to 179 employees at 13 locations. Main Street Bank (MA)'s CD rates are 96% higher than the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2019

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Health Grade Components

Overall
FDIC Certificate #	90235
Year Established	1860
Employees	179
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.88%
Return on Equity - YTD	7.56%
Annual Interest Income	$10.8MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$1.03B$998.2MM
Loans	Q1 2019vs Q1 2018	$792.2MM$751.3MM
Deposits	Q1 2019vs Q1 2018	$864.1MM$812.9MM
Equity Capital	Q1 2019vs Q1 2018	$121.5MM$116.2MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$6.1MM$4.8MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$3.0MM$3.9MM
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Main Street Bank (MA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.89%	$10	-	IOLTA
1.00%^*	-	$50k	Kasasa Saver
OTHER TIERS: 0.20% → $50k+
0.40%	$500	-	Educational IRA
0.40%^*	$250k^*	-	Advantage Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.15% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $250k
0.40%^*	$250k^*	-	Hybrid Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.15% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $250k
0.40%^*	$250k^*	-	18/65 Hybrid Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.15% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $250k
0.40%^*	$250k^*	-	18/65 Advantage Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.15% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $250k
0.40%^*	$250k^*	-	Business Advantage Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.15% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $250k
0.10%	$10	-	Passbook Savings
0.10%	$10	-	Holiday Savings Account
0.10%	$10	-	Business Passbook Savings

Main Street Bank (MA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%^*	$1m^*	-	Money Market
OTHER TIERS: 0.25% → $10 - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.45% → $100k - $250k \| 0.50% → $250k - $500k \| 0.55% → $500k - $1m
0.60%^*	$1m^*	-	Business Money Market
OTHER TIERS: 0.25% → $10 - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.45% → $100k - $250k \| 0.50% → $250k - $500k \| 0.55% → $500k - $1m
0.60%^*	$1m^*	-	Money Market IRA
OTHER TIERS: 0.25% → $10 - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.45% → $100k - $250k \| 0.50% → $250k - $500k \| 0.55% → $500k - $1m

Main Street Bank (MA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	-	$20k	Kasasa Cash Checking
OTHER TIERS: 0.20% → $20k+
0.40%^*	$250k^*	-	Business Advantage Checking
OTHER TIERS: 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $100k \| 0.30% → $100k - $250k
0.10%	$10	-	Interest Checking
0.10%	$10	-	18/65 Checking

Main Street Bank (MA) CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.53%	$1k	-	60 Month CD
2.43%	$1k	-	48 Month CD
2.32%	$1k	-	36 Month CD
2.27%	$1k	-	17 Month CD Special (New Money)
2.22%	$1k	-	24 Month CD
2.12%	$1k	-	18 Month CD
1.76%	$1k	-	12 Month CD
1.26%	$1k	-	6 Month CD
0.60%	$1k	-	3 Month CD

Main Street Bank (MA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.53%	$500	-	60 Month Roth IRA
2.43%	$500	-	48 Month IRA
2.32%	$500	-	36 Month IRA
2.27%	$500	-	17 Month IRA Special (New Money)
2.22%	$500	-	24 Month IRA
2.12%	$500	-	18 Month IRA
1.76%	$500	-	12 Month IRA
1.26%	$500	-	6 Month IRA

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Boston Area

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