It’s no joke: Marlborough Savings Bank and North Middlesex Savings Bank completed their merger on April 1 into Main Street Bank.

The new bank has combined assets of about $969 million and 14 locations across Middlesex and Worcester counties, including Ayer, Groton, Hudson, Shirley, Marlborough, Southborough and Westborough.

Marlborough Savings Bank and North Middlesex Savings Bank began talking last year to see if they might create some efficiencies by sharing some compliance and risk resources, but ultimately decided they would be better off if they merged into one entity. They announced earlier this year they would rebrand the new bank as Main Street Bank, in part to untangle themselves from some customer confusion with other Massachusetts banks and to lose the geographic specificity.

“It is our pleasure to announce the completion of the merger. We are excited to work with North Middlesex’s employees and executive management team to build a combined bank that achieves economies of scale and potential for future growth in the region, while ensuring that our customers and the community continue to receive the level of support that we are dedicated to providing,” CEO Richard K. Bennett said in a statement.

“We are pleased to be a part of the Main Street Bank family. Our combined board of directors and executive management team look forward to implementing our shared vision and continuing to serve as a leader in the community,” President Walter J. Dwyer IV said.

Main Street Bank plans to retain all of its employees and locations.