BAY STATE SAVINGS BANK

WORCESTER, MA | Medium | Est. March 9, 1895, midnight | FDIC #90311 | RSSD #963002 | FDIC
Latest Report: 2025-12-31

BAY STATE SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in WORCESTER, MA, established in March 9, 1895, midnight. As of 2025-12-31, the bank reported total assets of $572M and total deposits of $510M. Profitability stands at 0.55% ROA and 6.26% ROE, with a net interest margin of 3.24%. The bank's CET1 capital ratio is 11.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 3.25%. FDIC Certificate #90311.

Assets

$572M

Deposits

$510M

Loans

$470M

Equity

$51M

Profitability

Return on Assets (ROA) 0.55%
Return on Equity (ROE) 6.26%
Net Interest Margin (NIM) 3.24%
Yield on Assets 5.17%
Cost of Funds 1.97%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio -0.02%
Texas Ratio 3.25%
NPA Ratio 0.31%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 11.34%
Tier 1 Capital 11.34%
Total Capital Ratio 12.41%
Leverage Ratio 8.62%
Loan-to-Deposit 92.04%

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