Monson Savings Bank
Monson, MA · Cert 90245 · Peer group: banks under $1B in assets (n=581-629) · Monson Financial Services MHC
SI · FDIC · 5 branches
Q2 2026
$806.3MAssets
$638.0MLoans
$721.9MDeposits
$75.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 63% of banks under $1B in assets (rank 216 of 581).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets (rank 589 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.97%
Rank 336 of 629
Net Interest Margin
3.19%
Rank 432 of 629
Efficiency Ratio
66.43%
Rank 283 of 629
Equity / Assets
9.39%
Rank 440 of 629
Non-interest income vs. expense
Unfavorable gap of $16.1M · efficiency ratio beats 55% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.60% | 1.01% | 1.45% | Beats 47% | 336 / 629 | |
| Return on Equity | 10.35% | 5.38% | 9.30% | 13.28% | Beats 55% | 281 / 629 | |
| Net Interest Margin | 3.19% | 3.03% | 3.54% | 4.05% | Beats 31% | 432 / 629 | |
| Efficiency Ratio | 66.43% | 58.35% | 67.79% | 79.08% | Beats 55% | 283 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.09% | 0.46% | 1.20% | Beats 63% | 216 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 63% | 219 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.55% | 11.24% | 13.84% | 18.77% | Beats 7% | 587 / 629 | |
| Total Risk-Based Capital Ratio | 9.55% | 11.58% | 14.43% | 19.66% | Beats 6% | 589 / 629 | |
| Equity / Assets | 9.39% | 9.09% | 10.65% | 13.80% | Beats 30% | 440 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 88.38% | 67.24% | 80.90% | 93.48% | 66th pctl | 204 / 594 | |
| Loans / Assets | 79.12% | 53.31% | 67.71% | 78.15% | 79th pctl | 132 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |