Bank call report · Worcester, MA
Bay State Savings Bank Call Report
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Bay State Savings Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 309 reported line items, schedule by schedule (755 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 963002 |
| FDIC certificate number | 90311 |
| Total assets | $580.3M |
Official Q2 2026 call report PDF (FFIEC) →
Bay State Savings Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Bay State Savings Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $580.3M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $580.3M |
| Total Liabilities and Minority Interest | RCON2948 | $528.2M |
| Total Deposits | RCON2200 | $513.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $489.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $485.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $401.0M |
| Deposits: Noninterest-bearing | RCON6631 | $112.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $52.6M |
| Total Equity Capital | RCON3210 | $52.1M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $52.1M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $40.0M |
| Other Assets | RCON2160 | $25.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $9.8M |
| Other Borrowed Money | RCON3190 | $8.8M |
| Federal Funds Sold | RCONB987 | $6.2M |
| Other Liabilities, Total | RCON2930 | $5.6M |
| Interest-bearing Balances | RCON0071 | $5.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $4.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $4.3M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $2.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$515K |
| Loans and Leases Held for Sale | RCON5369 | $396K |
| Intangible Assets | RCON2143 | $90K |
| Surplus | RCON3839 | $1K |
Schedule RI: Income Statement (37 items)
About Schedule RI · Bay State Savings Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $13.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $12.5M |
| Net Interest Income | RIAD4074 | $9.2M |
| Total Noninterest Expense | RIAD4093 | $8.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $6.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.4M |
| Salaries and Employee Benefits | RIAD4135 | $4.8M |
| Total Interest Expense | RIAD4073 | $4.8M |
| Other Noninterest Expense | RIAD4092 | $2.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.8M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.5M |
| Net Income (Loss) | RIAD4340 | $1.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.2M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $762K |
| Total Noninterest Income | RIAD4079 | $742K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $509K |
| Applicable Income Taxes | RIAD4302 | $480K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $443K |
| Other Noninterest Income | RIADB497 | $388K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $334K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $274K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $194K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $140K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $90K |
| Interest on Other Securities | RIAD4060 | $43K |
| Net Servicing Fees | RIADB492 | $19K |
| Other Interest Income | RIAD4518 | $15K |
| Other Interest Expense | RIADGW44 | $6K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $3K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2K |
| Noninterest income: Income from insurance activities | RIADHT74 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 84 |
Schedule RC-B: Securities (15 items)
About Schedule RC-B · Bay State Savings Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $2.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $2.9M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $40.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $21.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $21.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $18.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $15.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $15.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $15.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $2.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $2.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $756K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $756K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $756K |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $750K |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · Bay State Savings Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $489.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $226.8M |
| Pledged Loans and Leases | RCONG378 | $210.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $161.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $99.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $68.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $57.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $56.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $53.3M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $44.8M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $43.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $33.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $32.5M |
| Commercial and Industrial Loans | RCON1766 | $24.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $19.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $19.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $15.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $15.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $13.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $13.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $12.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $6.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $5.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $4.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $3.9M |
| Real Estate Loans Secured by Farmland | RCON1420 | $3.1M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $2.2M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $432K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $385K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $254K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $48K |
| Other Loans | RCONJ464 | $25K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $29.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $9.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $750K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 326 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 89 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 71 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 36 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 30 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 20 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Bay State Savings Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $390.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $339.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $165.5M |
| Total Transaction Accounts | RCON2215 | $123.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $123.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $112.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $85.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $74.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $64.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $56.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $53.2M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $51.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $47.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $46.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $32.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $32.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $31.8M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $16.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $8.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $6.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $5.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $4.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $343K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $12.0M |
| Prepaid Expenses | RCON2166 | $9.4M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $7.1M |
| Net Deferred Tax Assets | RCON2148 | $2.3M |
| Accrued Interest Receivable | RCONB556 | $1.9M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $1.4M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $900K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $2.7M |
| Operating lease liabilities | RCONLB56 | $2.7M |
| Other Expenses Accrued and Unpaid | RCON3646 | $2.7M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $288K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Bay State Savings Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $573.0M |
| Quarterly Average of Total Loans | RCON3360 | $479.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $268.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $212.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $180.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $92.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $71.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $23.6M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $21.5M |
| Mortgage-backed Securities | RCONB559 | $19.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $13.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $11.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $6.5M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $5.7M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $4.4M |
| All Other Securities | RCONB560 | $3.4M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Bay State Savings Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $45.2M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $23.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $16.9M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $2.6M |
| Commercial and Similar Letters of Credit | RCON3411 | $16K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · Bay State Savings Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $6.8M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $6.8M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $3.7M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $1.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $462K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $255K |
| Mortgage Servicing Assets | RCON3164 | $90K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · Bay State Savings Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.3M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.3M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $1.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $883K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $579K |
| Additions to Nonaccrual Assets | RCONC410 | $540K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $254K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $243K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $232K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $212K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $212K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $148K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $116K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $79K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $8K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Bay State Savings Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $573.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $513.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $255.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $242.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $50.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $11.4M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $4.9M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 14,993 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 490 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 347 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 13 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Bay State Savings Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $448.1M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Bay State Savings Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $573.0M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $570.7M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $448.1M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $54.9M |
| Retained Earnings | RCOAKW00 | $52.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $52.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $50.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $50.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $50.3M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $4.6M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $4.6M |
| Tier 2 Capital Before Deductions | RCOAP870 | $4.6M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $2.3M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $2.3M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$614K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$515K |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $99K |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $1K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1226 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1124 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1124 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0882 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0426 |
Schedule RC-R, Part II: Risk-Weighted Assets (58 items)
About Schedule RC-R, Part II · Bay State Savings Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $448.1M |
| Total Risk-weighted Assets | RCONG641 | $448.1M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $309.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $309.7M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $295.0M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $267.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $265.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $246.2M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $221.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $220.7M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $220.7M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $123.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $73.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $57.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $57.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $43.0M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $40.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $36.8M |
| Total All Other Assets | RCOND981 | $30.5M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $26.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $22.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $15.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $14.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $14.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $11.6M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $8.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $6.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $6.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $6.3M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $6.2M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $6.2M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $3.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $3.0M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$2.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $2.5M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $2.3M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $2.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $2.0M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $1.4M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $1.4M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $1.4M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $1.4M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $1.4M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.4M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$788K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $579K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $474K |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $396K |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $396K |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $225K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $90K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $90K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $90K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $16K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $3K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 50 Pct Risk Weight Category | RCONG610 | $2K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 20 Pct Risk Weight Category | RCONG609 | $1K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $52.1M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $51.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $51.0M |
| Other Comprehensive Income | RIADB511 | -$384K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · Bay State Savings Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $39K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $24K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $15K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $6K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $5K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Bay State Savings Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $4.3M |
| Allowance for Loan and Lease Losses | RIAD3123 | $4.3M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $39K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $23.8M |
Bay State Savings Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Bay State Savings Bank call report?
The Bay State Savings Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Bay State Savings Bank file?
Bay State Savings Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Bay State Savings Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Bay State Savings Bank has Federal Reserve RSSD ID 963002 and FDIC certificate number 90311. Either one finds its filings on the FFIEC Central Data Repository.
How often does Bay State Savings Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Bay State Savings Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 90311) · FFIEC NIC profile (RSSD 963002)