Massachusetts · Q2 2026

Suffolk County, Massachusetts

n/aCredit pressureNot rated — 2.4% coverage

Banks under $100B in assets hold 2.4% of deposits in Suffolk County. Below 25%, we do not rate a county: CRE exposure here is concentrated in national banks and is not geographically attributable by deposit.

17% of Suffolk County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.

Rank

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Exposed deposits vs Q1 2026

— no change

Coverage

Coverage 2.4% — not rated

Credit pressureAEleast exposed to most exposedNot rated, coverage under 25%Rated on low coverage

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Banks behind this number

20 banks under $100B in assets with a branch here

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
The Cooperative Bank	Roslindale, MA	$0.5B	Below	—	100.0%
Commonwealth Co-operative Bank	Hyde Park, MA	$0.2B	Below	—	100.0%
Beacon Bank and Trust	Boston, MA	$22B	Above threshold	C2	26.3%
Eagle Bank	Everett, MA	$0.7B	Above threshold	C2	18.9%
Rockland Trust Company	Rockland, MA	$25B	Below	—	14.6%
Eastern Bank	Boston, MA	$31B	Approaching	—	11.6%
East Cambridge Savings Bank	Cambridge, MA	$1.7B	Below	—	7.4%
Dedham Institution for Savings	Dedham, MA	$2.6B	Approaching	—	5.6%
Hingham Institution for Savings	Hingham, MA	$4.6B	Concentrated	300%+, growth test not met	5.3%
OneUnited Bank	Boston, MA	$0.6B	Concentrated	300%+, growth test not met	3.5%
Leader Bank, National Association	Arlington, MA	$5.3B	Below	—	2.5%
Webster Bank, National Association	Stamford, CT	$86B	Below	—	1.9%
Salem Five Cents Savings Bank	Salem, MA	$8.8B	Approaching	—	1.9%
Safra National Bank of New York	New York, NY	$16B	Below	—	1.8%
Needham Bank	Needham, MA	$7.4B	Above threshold	C2	1.8%
Cambridge Savings Bank	Cambridge, MA	$7.0B	Concentrated	300%+, growth test not met	1.1%
East West Bank	Pasadena, CA	$84B	Below	—	1.1%
Cathay Bank	Los Angeles, CA	$25B	Below	—	0.6%

The Cooperative BankBelow
Roslindale, MA$0.5B—100.0% of bank deposits
Commonwealth Co-operative BankBelow
Hyde Park, MA$0.2B—100.0% of bank deposits
Beacon Bank and TrustAbove threshold
Boston, MA$22BC226.3% of bank deposits
Eagle BankAbove threshold
Everett, MA$0.7BC218.9% of bank deposits
Rockland Trust CompanyBelow
Rockland, MA$25B—14.6% of bank deposits
Eastern BankApproaching
Boston, MA$31B—11.6% of bank deposits
East Cambridge Savings BankBelow
Cambridge, MA$1.7B—7.4% of bank deposits
Dedham Institution for SavingsApproaching
Dedham, MA$2.6B—5.6% of bank deposits
Hingham Institution for SavingsConcentrated
Hingham, MA$4.6B300%+, growth test not met5.3% of bank deposits
OneUnited BankConcentrated
Boston, MA$0.6B300%+, growth test not met3.5% of bank deposits
Leader Bank, National AssociationBelow
Arlington, MA$5.3B—2.5% of bank deposits
Webster Bank, National AssociationBelow
Stamford, CT$86B—1.9% of bank deposits
Salem Five Cents Savings BankApproaching
Salem, MA$8.8B—1.9% of bank deposits
Safra National Bank of New YorkBelow
New York, NY$16B—1.8% of bank deposits
Needham BankAbove threshold
Needham, MA$7.4BC21.8% of bank deposits
Cambridge Savings BankConcentrated
Cambridge, MA$7.0B300%+, growth test not met1.1% of bank deposits
East West BankBelow
Pasadena, CA$84B—1.1% of bank deposits
Cathay BankBelow
Los Angeles, CA$25B—0.6% of bank deposits

A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.

What this means

3 of the 20 banks under $100B in assets with a branch in Suffolk County are above a regulatory CRE concentration threshold, and together they hold 17% of the county deposits this report covers. Another 3 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 19%. 4 more sit within one quarter of a threshold.

Coverage is 2.4%: the rest of the deposits in Suffolk County sit in banks above the $100B threshold, which this report does not evaluate. Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.

Calculation v1 · Call report Q2 2026 · Summary of Deposits 2025 · Universe: banks under $100B in assets · Methodology

Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.

Nothing on this page is investment advice.