Main Street Bank is a bank based in Marlborough, Massachusetts, established in 1860, with $1.6 billion in total assets across 6 branches. By Trust Grade it ranks 85th of 91 banks we track in Massachusetts. Its capital ratio of 11.2% is stronger than 65% of similarly sized banks, versus a Massachusetts median of 10.2%. It was profitable over the most recent period, with a 0.53% return on assets. Consumers filed 24 complaints about Main Street Holdings, Inc. with the CFPB — 14.9 per $1B in assets, a higher rate than 74% of peers.
How Main Street Bank compares to Massachusetts peers
How we graded Main Street Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.2% capital ratio)
- Profitable (ROA 0.53%)
- 14.9 complaints per $1B in assets
Consumer complaints (CFPB)
24 complaints filed with the CFPB against Main Street Holdings, Inc. — 14.9 per $1B in assets.
Branch locations (6)
- 7 Main St, Ayer, MA 01432
- 81 Granger Blvd, Marlborough, MA 01752
- 80 Main St, Pepperell, MA 01463
- 6 E Main St, Southborough, MA 01772
- 101 W Main St, Northborough, MA 01532
- 186 Main St, Hudson, MA 01749
Are deposits at Main Street Bank insured?
Yes. Main Street Bank is an FDIC-insured bank (FDIC certificate #90235). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Main Street Bank: frequently asked questions
Is Main Street Bank a good bank?
Main Street Bank earns a Bankzia Trust Grade of B (82/100, "Strong"), based on a financial-strength score of 94/100 and a customer-experience score of 45.5/100. Strongly capitalized (11.2% capital ratio); Profitable (ROA 0.53%).
Is Main Street Bank FDIC-insured?
Yes. Main Street Bank is a FDIC-insured bank (FDIC certificate #90235). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Main Street Bank?
Main Street Bank holds $1.6 billion in total assets, ranking 85th of 91 banks we track in Massachusetts. It operates 6 branches.
How many complaints does Main Street Bank have?
Consumers filed 24 complaints about Main Street Holdings, Inc. with the CFPB, or 14.9 per $1B in assets.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
