Bay State Savings Bank
Worcester, MA · Cert 90311 · Peer group: banks under $1B in assets (n=581-629) · 1895 MHC
SI · FDIC · 7 branches
Q2 2026
$580.3MAssets
$489.7MLoans
$513.7MDeposits
$52.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 52% of banks under $1B in assets (rank 281 of 581).
- Widest gap: return on assets trails 80% of banks under $1B in assets (rank 501 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.51%
Rank 501 of 629
Net Interest Margin
3.21%
Rank 426 of 629
Efficiency Ratio
81.59%
Rank 493 of 629
Equity / Assets
8.98%
Rank 483 of 629
Non-interest income vs. expense
Unfavorable gap of $14.7M · efficiency ratio beats 22% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.60% | 1.01% | 1.45% | Beats 20% | 501 / 629 | | |
| Return on Equity | 5.70% | 5.38% | 9.30% | 13.28% | Beats 26% | 463 / 629 | | |
| Net Interest Margin | 3.21% | 3.03% | 3.54% | 4.05% | Beats 32% | 426 / 629 | | |
| Efficiency Ratio | 81.59% | 58.35% | 67.79% | 79.08% | Beats 22% | 493 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.09% | 0.46% | 1.20% | Beats 50% | 294 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 52% | 281 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.24% | 11.24% | 13.84% | 18.77% | Beats 25% | 474 / 629 | | |
| Total Risk-Based Capital Ratio | 12.26% | 11.58% | 14.43% | 19.66% | Beats 31% | 435 / 629 | | |
| Equity / Assets | 8.98% | 9.09% | 10.65% | 13.80% | Beats 23% | 483 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.33% | 67.24% | 80.90% | 93.48% | 79th pctl | 127 / 594 | | |
| Loans / Assets | 84.39% | 53.31% | 67.71% | 78.15% | 91st pctl | 58 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |