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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

4.57%Q2 ’244.86%Q2 ’255.09%Q2 ’26+11%+12%

Non-interest income vs. expense

2.58%Q2 ’242.56%Q2 ’252.55%Q2 ’26+0%-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 0.94%, up 44 bps year over year; NIM at 3.36%.
  • 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 (quarter, annualized)

0.94%+44 bps YoY

Net Interest Margin (quarter, annualized)

3.36%+36 bps YoY

Efficiency Ratio (quarter, annualized)

67.22%-797 bps YoY

Tier 1 Leverage Ratio

14.84%-1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.76%0.68%0.68%0.94%+44 bps
Return on Equity3.59%5.43%4.82%4.80%6.66%+307 bps
Net Interest Margin3.00%3.11%3.19%3.16%3.36%+36 bps
Efficiency Ratio75.19%70.06%69.96%72.98%67.22%-797 bps
Non-Interest Burden2.16%2.07%2.13%2.19%2.12%-4 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%0.01%-0.01%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