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Bay State Savings Bank
Worcester, MA · FDIC Certificate #90311 · Chartered 03/0
Total assets
$580.27M
Total deposits
$513.71M
Total equity
$52.11M
Net loans
$485.41M
Branches (offices)
7
Net income (YTD)
$1.48M
Rank: #1,600 of 4,213 U.S. banks by assets · #66 of 89 in Massachusetts. Assets changed 4.9% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.51% |
| Return on equity | 5.77% |
| Net interest margin (YTD) | 3.38% |
| Equity to assets | 8.98% |
| Tier 1 leverage ratio | 8.82% |
| Uninsured deposits (share of deposits) | 30.5% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 94.5% |
| Real estate loans (share of loans) | 94.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $459.92M | 94.7% | |
| Commercial & industrial | $24.53M | 5.1% | |
| Consumer / individual | $5.23M | 1.1% | |
| Construction & development | $15.73M | 3.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $512.63M | $460.03M | $968.00K | $44.30M |
| Jun 2023 | $538.14M | $481.83M | $802.00K | $44.73M |
| Jun 2024 | $550.07M | $491.45M | $3.59M | $47.84M |
| Jun 2025 | $553.39M | $494.23M | $808.00K | $49.29M |
| Jun 2026 | $580.27M | $513.71M | $1.48M | $52.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $513.71M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $513.71M.
Similar-sized banks
First National Bank & Trust Company Of Mcalester ($580.35M) · Salem Co-Operative Bank ($580.00M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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