Needham Bank (FDIC #26483): Bank Stress & Real-Estate Credit Exposure
Needham Bank (FDIC Cert #26483): bank stress 67/100, elevated, STABLE over 7 days; parent NB BCORP INC.
Needham Bank (#26483) lends in 6 counties across 2 states; Needham Bank (#26483) reaches 271 ZIP codes: Massachusetts 4 counties, 201 ZIPs; New Hampshire 2 counties, 70 ZIPs.
Needham Bank (#26483) largest markets: Middlesex County, MA (249 branches, 83 ZIPs) (#26483), Essex County, MA (138 branches, 46 ZIPs) (#26483), Norfolk County, MA (328 branches, 41 ZIPs) (#26483), Suffolk County, MA (78 branches, 39 ZIPs) (#26483), Rockingham County, NH (152 branches, 38 ZIPs) (#26483), Hillsborough County, NH (34 branches, 34 ZIPs) (#26483).
Needham Bank (#26483) reports $7.42 billion in total assets; Needham Bank (#26483) equity $810.6 million (10.9% of Needham Bank (#26483) assets); Needham Bank (#26483) domestic deposits $6.32 billion; Needham Bank (#26483) net income $36.3 million; Needham Bank (#26483) return on assets 1.01%; Needham Bank (#26483) return on equity 9.14%; Needham Bank (#26483) net interest income $131.2 million; Needham Bank (#26483) call report June 30, 2026.
Needham Bank (#26483) noncurrent real-estate loans: none reported; Needham Bank (#26483) net charge-offs on real estate 0.11%; Needham Bank (#26483) residential charge-offs 0.05%.
Needham Bank (#26483) net interest margin 3.89% against an eight-quarter Needham Bank (#26483) average of 3.62% (Needham Bank (#26483) compression -0.26 points); Needham Bank (#26483) real-estate loans 0.3% of equity; Needham Bank (#26483) non-residential real estate 4.5% of equity; Needham Bank (#26483) rate-exposure score 40/100, Needham Bank (#26483) fixed-rate trap 40/100; Needham Bank (#26483) risk type credit driven; Needham Bank (#26483) rate regime rates elevated, Needham Bank (#26483) snapshot October 20, 2026.
Needham Bank (#26483) stress score moved from 68.9 on June 22, 2026 to 67 on October 20, 2026; Needham Bank (#26483) ranged 67 to 68.9 over 117 snapshots.
Needham Bank (#26483) alerts: 6 counties; top Needham Bank (#26483) alert scores: Bedford County, MA 23 (low); Natick County, MA 23 (low); Newburyport County, MA 23 (low); Roxbury Crossing County, MA 23 (low); Seabrook County, MA 23 (low).