Compiled from MSRB EMMA & public records · read-only public record · debt as of Sep 11, 2026 · latest trade Sep 9, 2026 · latest filing May 29, 2026
Credit ratings
not compiledNo agency ratings have been compiled for this issuer from EMMA’s per-security feed. This is a coverage gap, not a statement that the issuer is unrated — ratings may be stated on the official statements or the rating agencies’ own sites.
Maturity profile
par maturing by year · as of Sep 2026Recent activity
rating actions & filingsAudited Financial Statements or ACFR filed
May 29, 2026 · Audited Financial Statements or ACFR: Gardner, MA FYE 2025 Audit
Annual Financial Information and Operating Data filed
May 29, 2026 · Annual Financial Information and Operating Data: Gardner, MA FY…
Annual Financial Information and Operating Data filed
Mar 25, 2026 · Annual Financial Information and Operating Data: Gardner, MA FY…
Audited Financial Statements or ACFR filed
Jan 29, 2026 · Audited Financial Statements or ACFR: City of Gardner, MA FYE 2…
Failure to Provide Annual Financial Information filed
Jan 29, 2026 · Failure to Provide Annual Financial Information: Failure to Fil…
Annual Financial Information and Operating Data filed
Jan 29, 2026 · Annual Financial Information and Operating Data: City of Gardne…
Debt overview
EMMA-derivedOutstanding par (EMMA est.)—
Securities61
Callable66%
Outstanding securities
61Market activity
EMMA · secondary trades · latest Sep 9, 2026Each dot is a reported secondary trade — yield by trade date, sized by par, colored by trade side. Hover for detail.
Trade dateSecurityPriceYieldSizeSide
Sep 9
365604UX3
104.55
3.85%
20,000
Customer Bought
Sep 9
365604UX3
104.49
3.87%
20,000
Customer Sold
Sep 8
365604UL9
100.72
2.90%
150,000
Customer Sold
Sep 2
365604US4
108.09
3.01%
90,000
Customer Bought
Sep 2
365604US4
108.09
3.01%
90,000
Inter-Dealer Trade
Sep 1
365604US4
107.44
3.16%
100,000
Inter-Dealer Trade
Sep 1
365604US4
107.43
3.17%
100,000
Customer Sold
Trade prints reported to the MSRB — a live market signal a manual issuer page cannot show.
20 callable securities carry a stated call price — refunding candidates as rates move.
Document library
31 documents · sourced from EMMA & the issuer
G
Financial
Gardner, MA FYE 2025 Audit
Financial ReportsMay 2026
FinancialEMMA · disclosure
G
Credit
Gardner, MA FYE 2025 Amended Disclosure Report
Credit & RatingsMay 2026
CreditEMMA · disclosure
G
Credit
Gardner, MA FYE 2025 Disclosure Report
Credit & RatingsMar 2026
CreditEMMA · disclosure
G
Financial
City of Gardner, MA FYE 2024 Audit
Financial ReportsJan 2026
FinancialEMMA · disclosure
G
Annual Data
Failure to Provide Annual Financial Information: Failure to File FY24 Audit
Annual / Operating DataJan 2026
Annual DataEMMA · disclosure
G
Annual Data
City of Gardner, MA FYE 2024 Audit
Annual / Operating DataJan 2026
Annual DataEMMA · disclosure
G
Annual Data
Annual Financial Information and Operating Data
Annual / Operating DataMar 2025
Annual DataEMMA · disclosure
G
Financial
Annual Financial Information and Operating Data, Audited Financial Statements or ACFR
Financial ReportsMar 2024
FinancialEMMA · disclosure
G
Financial
Annual Financial Information and Operating Data, Audited Financial Statements or ACFR
Financial ReportsMar 2023
FinancialEMMA · disclosure
G
OS
GENERAL OBLIGATION MUNICIPAL PURPOSE LOAN OF 2022 BONDS
Official StatementsJun 2022
OSEMMA · official statement
G
Financial
Annual Financial Information and Operating Data, Audited Financial Statements or ACFR
Financial ReportsApr 2022
FinancialEMMA · disclosure
G
Annual Data
Annual Financial Information and Operating Data
Annual / Operating DataMar 2022
Annual DataEMMA · disclosure
G
OS
GENERAL OBLIGATION MUNICIPAL PURPOSE LOAN OF 2021 BONDS
Official StatementsJul 2021
OSEMMA · official statement
G
OS
GENERAL OBLIGATION BOND ANTICIPATION NOTES
Official StatementsJun 2021
OSEMMA · official statement
G
OS
GENERAL OBLIGATION MUNICIPAL PURPOSE LOAN OF 2020 BONDS
Official StatementsJan 2021
OSEMMA · official statement
G
OS
GENERAL OBLIGATION MUNICIPAL PURPOSE LOAN OF 2020 BONDS
Official StatementsDec 2020
OSEMMA · official statement
G
OS
GENERAL OBLIGATION MUNICIPAL PURPOSE LOAN OF 2020 BONDS
Official StatementsDec 2020
OSEMMA · official statement
G
OS
GENERAL OBLIGATION BOND ANTICIPATION NOTES
Official StatementsJun 2020
OSEMMA · official statement
G
OS
GENERAL OBLIGATION BOND ANTICIPATION NOTES
Official StatementsJun 2019
OSEMMA · official statement
G
OS
GENERAL OBLIGATION BOND ANTICIPATION NOTES
Official StatementsJun 2018
OSEMMA · official statement
G
OS
GENERAL OBLIGATION BOND ANTICIPATION NOTES
Official StatementsJun 2016
OSEMMA · official statement
G
OS
GENERAL OBLIGATION BOND ANTICIPATION NOTES
Official StatementsApr 2014
OSEMMA · official statement
G
OS
GENERAL OBLIGATION POLICE STATION BONDS
Official StatementsMar 2014
OSEMMA · official statement
G
OS
GENERAL OBLIGATION POLICE STATION BONDS
Official StatementsFeb 2014
OSEMMA · official statement
G
OS
GENERAL OBLIGATION BOND ANTICIPATION NOTES
Official StatementsApr 2013
OSEMMA · official statement
G
OS
GENERAL OBLIGATION REFUNDING BONDS
Official StatementsDec 2012
OSEMMA · official statement
G
OS
GENERAL OBLIGATION BOND ANTICIPATION NOTES
Official StatementsMay 2012
OSEMMA · official statement
G
OS
BD ANTIC NTS
Official StatementsMay 2007
OSEMMA · official statement
G
OS
BD ANTIC NTS
Official StatementsJul 2005
OSEMMA · official statement
G
OS
RFDG
Official StatementsJun 2005
OSEMMA · official statement
G
OS
RFDG
Official StatementsJun 2005
OSEMMA · official statement
Annual / Operating Data
Failure to Provide Annual Financial Information: Failure to File FY24 Audit
City of Gardner, MA FYE 2024 Audit
Annual Financial Information and Operating Data
Annual Financial Information and Operating Data
Credit & Ratings
Gardner, MA FYE 2025 Amended Disclosure Report
Gardner, MA FYE 2025 Disclosure Report
Financial Reports
Gardner, MA FYE 2025 Audit
City of Gardner, MA FYE 2024 Audit
Annual Financial Information and Operating Data, Audited Financial Statements or ACFR
Annual Financial Information and Operating Data, Audited Financial Statements or ACFR
Annual Financial Information and Operating Data, Audited Financial Statements or ACFR
Official Statements
GENERAL OBLIGATION MUNICIPAL PURPOSE LOAN OF 2022 BONDS
GENERAL OBLIGATION MUNICIPAL PURPOSE LOAN OF 2021 BONDS
GENERAL OBLIGATION BOND ANTICIPATION NOTES
GENERAL OBLIGATION MUNICIPAL PURPOSE LOAN OF 2020 BONDS
GENERAL OBLIGATION MUNICIPAL PURPOSE LOAN OF 2020 BONDS
GENERAL OBLIGATION MUNICIPAL PURPOSE LOAN OF 2020 BONDS
GENERAL OBLIGATION BOND ANTICIPATION NOTES
GENERAL OBLIGATION BOND ANTICIPATION NOTES
GENERAL OBLIGATION BOND ANTICIPATION NOTES
GENERAL OBLIGATION BOND ANTICIPATION NOTES
GENERAL OBLIGATION BOND ANTICIPATION NOTES
GENERAL OBLIGATION POLICE STATION BONDS
GENERAL OBLIGATION POLICE STATION BONDS
GENERAL OBLIGATION BOND ANTICIPATION NOTES
GENERAL OBLIGATION REFUNDING BONDS
GENERAL OBLIGATION BOND ANTICIPATION NOTES
BD ANTIC NTS
BD ANTIC NTS
RFDG
RFDG
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Disclosure record
2 years of annual filings on EMMA11 continuing-disclosure filings compiled
Latest filing within the past year · May 2026
Public documents
31Public contact
Not listedAnnual financial filings posted to the MSRB’s EMMA, newest first — a reporting-cadence signal. Click a year to open the filing.
11 continuing-disclosure filings compiled
Latest filing within the past year · latest posting 2026-05-29
Counts what BondGov has compiled from the MSRB’s EMMA — a coverage fact, not a compliance rating or a days-late claim. Contact routes show as on file only; the address itself is never published here. Verify on EMMA ↗
Standing
as of Sep 11, 2026What the public record shows about this issuer’s disclosure practice. Compiled from the MSRB’s EMMA and from award letters governments record themselves. MuniPro confers no credential and issues no rating.
Credentials on record
Conferred by GFOA, recorded from the award letter. Never inferred.
Certificate of Achievement for Excellence in Financial Reporting
No receipt on file
Distinguished Budget Presentation Award
No receipt on file
Popular Annual Financial Reporting Award
No receipt on file
Nothing recorded here means nothing has been recorded — not that an award was withheld.
Dated obligations
Filings a law or contract puts a date on.
Not measured
MuniPro does not hold this issuer’s own continuing-disclosure undertaking date, so no filing is called late here. Why →
Record quality
Disclosure practice — not an assessment of creditworthiness.
Annual reporting compiled
2 of 3
2 of 3 reporting years (2023–2025) have an annual financial filing compiled from the MSRB’s EMMA. The denominator is MuniPro’s 3-year reading window — it is NOT a filing obligation, and a missing year here means no filing was compiled, not that one was owed and skipped.
Record freshness
Within the past year
The newest continuing-disclosure filing MuniPro has compiled for this issuer was posted 105 days ago. This is the age of the public record — it is not a lateness claim, because MuniPro does not hold the date this issuer’s undertaking sets.
Filing timeliness
Not measured
Timeliness needs the date this issuer’s own continuing-disclosure undertaking sets. MuniPro does not hold it, and will not substitute a generic interval.
Standing describes disclosure practice — not an assessment of creditworthiness. It is not a rating, a rank against other governments, or a MuniPro credential. See the full computation →