Branch Network
Bay State Savings Bank Locations & Branches Worcester, Massachusetts
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Bay State Savings Bank operates 7 branches from its headquarters in Worcester, MA, .
Bay State Savings Bank branch network
All 7 branches are in MASSACHUSETTS, across 4 cities. Worcester, MA has the most of its branches, 4. Its largest office by deposits is its main office in Worcester, MA, with $113.0M (22.0% of its branch deposits). It had the same number of branches on June 30, 2025.
Bay State Savings Bank at a glance
Its CET1 capital ratio was 11.24% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $580.3M
- CET1 ratio, Q2 2026
- 11.24%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1895
Full financial profile · Is Bay State Savings Bank safe? · Bay State Savings Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Worcester, MA (4 branches) | 6 of 16 | 7.0% | $319.8M |
| State: MA (7 branches) | 76 of 112 | <0.1% | $513.7M |
Ranked by total assets among banks headquartered in the state: Largest banks in Massachusetts.
Share by county and metro area
Bay State Savings Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Worcester, MA (7 branches) | 15 of 26 | 2.3% | $513.7M | $22.52B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Worcester, MA-CT (7 branches) | 15 of 26 | 2.3% | $513.7M | $22.52B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bay State Savings Bank (main office) | Worcester, MA | 01608 | $113.0M |
| Holden Branch | Holden, MA | 01520 | $96.4M |
| Burncoat Street Branch | Worcester, MA | 01606 | $85.2M |
| Minuteman Plaza Branch | Auburn, MA | 01501 | $66.6M |
| Mill Street Branch | Worcester, MA | 01602 | $64.4M |
| Grafton Street Branch | Worcester, MA | 01608 | $57.1M |
| Shrewsbury Branch | Shrewsbury, MA | 01545 | $31.0M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 90311) · FFIEC NIC profile (RSSD 963002)