Main Street Bank (MA)

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
2.00%	Reward Checking	Kasasa Cash Checking 1.82% - National Average
1.00%	Reward Savings	Kasasa Saver 0.81% - National Average
1.71%	5-year CD	60 Month CD 2.25% - Ally Bank High Yield 5 Year CD

View all Main Street Bank (MA) rates »

Overview / Commentary

bankmainstreet.com

978-772-3306

7 Main Street
Ayer, MA 01432

Main Street Bank (MA) is headquartered in Ayer and is the 81^st largest bank in the state of Massachusetts. It is also the 1,602^nd largest bank in the nation. It was established in 1885 and as of December of 2016, it had grown to 82 employees at 7 locations. Main Street Bank (MA)'s CD rates are 12% higher than the national average, and it has a B+ health rating.

Overall
FDIC Certificate #	90147
Year Established	1885
Employees	82
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	6.26%
Annual Interest Income	$15.5MM

Assets and Liabilities
Assets	Q4 2016vs Q4 2015	$437.0MM$409.5MM
Loans	Q4 2016vs Q4 2015	$324.6MM$291.8MM
Deposits	Q4 2016vs Q4 2015	$352.6MM$332.9MM
Equity Capital	Q4 2016vs Q4 2015	$37.9MM$35.8MM
Loan Loss Allowance	Q4 2016vs Q4 2015	$3.5MM$3.2MM
Unbacked Noncurrent Loans	Q4 2016vs Q4 2015	$3.7MM$3.7MM
Real Estate Owned	Q4 2016vs Q4 2015	$0$0

Rates

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Money Market
Checking
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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
1.00%^*	-	$50k	Kasasa Saver
OTHER TIERS: 0.20% → $50k+
0.40%	$500	-	Educational IRA
0.25%^*	$100k^*	-	Advantage Savings
OTHER TIERS: 0.10% → $10 - $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $100k
0.20%^*	$25k^*	-	Hybrid Savings - w/ active checking
OTHER TIERS: 0.10% → $10 - $25k
0.10%	-	-	Passbook Savings

Main Street Bank (MA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$100k^*	$250k	Money Market
OTHER TIERS: 0.10% → $10 - $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k

Main Street Bank (MA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	-	$10k	Kasasa Cash Checking
OTHER TIERS: 0.20% → $10k+
0.10%	-	-	Interest Checking

Main Street Bank (MA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.71%	$500	-	60 Month CD
1.51%	$500	-	48 Month CD
1.36%	$500	-	36 Month CD
1.26%	$500	-	24 Month CD
1.16%	$500	-	18 Month CD
1.01%	$500	-	12 Month CD
0.60%	$500	-	6 Month CD
0.30%	$500	-	3 Month CD

Main Street Bank (MA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$500	-	60 Month IRA
1.56%	$500	-	48 Month IRA
1.41%	$500	-	36 Month IRA
1.31%	$500	-	24 Month IRA
1.06%	$500	-	12 Month IRA
0.65%	$500	-	6 Month IRA

Locations

Main Street Bank (MA) Locations
Littleton Branch	220 Great Road	Littleton, MA 01460
Groton Branch	489 Main Street	Groton, MA 01450
Devens Branch	6 Andrews Parkway	Devens, MA 01434
North Middlesex Savings Bank	7 Main Street	Ayer, MA 01432
Pepperell Branch	80 Main Street	Pepperell, MA 01463
Lunenburg Branch	947 Massachusetts Avenue Branch	Lunenburg, MA 01462
Shirley Branch	95 Front Street	Shirley, MA 01464