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Country Bank for Savings

Ware, MA · Cert 23992

SI · FDIC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

73

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Country Bank for Savings

Ware, MA · Cert 23992

SI · FDIC · 16 branches

Q2 2026

$2.2BAssets
$1.8BLoans
$1.7BDeposits
$318.2MEquity
Loan mix
98%RE $1.7B2%C&I $0.0B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $1.4B21%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.51%Q2 ’244.64%Q2 ’254.95%Q2 ’26+7%+12%

Non-interest income vs. expense

2.58%Q2 ’242.54%Q2 ’252.56%Q2 ’26+2%-2%

Market Position · Springfield, MA · 2026 SOD (annual) · 5.2% share · #8 of 18 inst. · $0.7B of $14.1B

5.2% Hampden
8.2% Hampshire
2.0% Worcester

Executive Summary

  • Earnings: ROA of 0.81%, up 33 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 1.14% of loans (-9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.84%, down 1 bps from a year ago.
  • Funding: loans stand at 101.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.23%+35 bps YoY

Efficiency Ratio (YTD, annualized)

69.99%-860 bps YoY

Tier 1 Leverage Ratio

14.84%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.57%0.60%0.68%0.81%+33 bps
Return on Equity3.34%4.04%4.24%4.80%5.73%+239 bps
Net Interest Margin2.88%2.92%2.97%3.16%3.23%+35 bps
Efficiency Ratio78.59%75.56%74.07%72.98%69.99%-860 bps
Non-Interest Burden2.19%2.12%2.11%2.19%2.14%-5 bps
Growth
Asset Growth (YoY)11.30%10.36%11.15%7.11%4.07%-723 bps
Loan Growth (YoY)14.34%13.49%14.05%9.29%4.64%-970 bps
Deposit Growth (YoY)3.24%11.98%15.20%10.87%15.51%+1,227 bps
Asset Quality
Nonperforming Loans / Loans1.23%1.17%1.19%1.17%1.14%-9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.92%0.93%0.99%0.99%0.99%+6 bps
Allowance Coverage of NPLs0.7x0.8x0.8x0.8x0.9x+0.1x
Capital
Tier 1 Leverage Ratio14.85%14.72%14.77%14.83%14.84%-1 bps
Total Risk-Based Capital14.85%14.72%14.77%14.83%14.84%-1 bps
Equity / Assets13.94%13.98%14.12%14.09%14.22%+28 bps
Liquidity & Funding
Loans / Deposits112.14%105.05%103.41%103.96%101.58%-1,056 bps
Liquid Assets / Assets8.06%8.59%8.63%8.20%8.15%+10 bps
CRE / Total Capitaln/a335%333%339%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Country Bank for Savings

Ware, MA · Cert 23992 · Peer group: banks $1B-$10B in assets (n=322-328)

SI · FDIC · 16 branches

Q2 2026

$2.2BAssets
$1.8BLoans
$1.7BDeposits
$318.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 90% of banks $1B-$10B in assets (rank 33 of 328).
  • Widest gap: return on equity trails 91% of banks $1B-$10B in assets (rank 297 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.80%

Rank 264 of 328

Net Interest Margin

3.23%

Rank 209 of 328

Efficiency Ratio

69.99%

Rank 265 of 328

Equity / Assets

14.22%

Rank 33 of 328

Non-interest income vs. expense

$9.5M$57.5MINCOMEEXPENSE
Unfavorable gap of $48.0M · efficiency ratio beats 20% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.91%1.22%1.52%Beats 20%264 / 328
Return on Equity5.66%8.43%11.45%14.43%Beats 9%297 / 328
Net Interest Margin3.23%3.03%3.45%3.83%Beats 36%209 / 328
Efficiency Ratio69.99%51.61%59.56%67.53%Beats 20%265 / 328
Asset Quality
Nonperforming Loans / Loans1.14%0.24%0.51%1.03%Beats 23%248 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 89%37 / 322
Capital
Tier 1 Capital Ratio14.84%11.75%13.15%15.47%Beats 69%101 / 328
Total Risk-Based Capital Ratio14.84%12.63%14.15%16.46%Beats 59%133 / 328
Equity / Assets14.22%9.15%10.33%12.01%Beats 90%33 / 328
Liquidity & Funding
Loans / Deposits101.58%76.63%87.92%95.36%90th pctl32 / 323
Loans / Assets78.51%65.18%74.15%79.98%69th pctl102 / 328
Brokered Deposits / Depositsn/aNot reported for this institution