Bay State Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 5.26 percentage points in Q2 2026, from 90.07% to 95.33%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Bay State Savings Bank is 49th of 89 on return on assets, 0.63% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bay State Savings Bank sits 0.63 points lower, at 0.63% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.24% |
| Tier 1 risk-based capital ratio | 11.24% |
| Total risk-based capital ratio | 12.26% |
| Tier 1 leverage ratio | 8.82% |
| Equity capital to assets | 8.98% |
| Tangible equity to tangible assets | 8.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.04% |
| Allowance for credit losses to loans | 0.88% |
| Reserve coverage of non-performing loans | 188.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.63% |
| Return on equity | 6.97% |
| Net interest margin | 3.39% |
| Efficiency ratio | 80.30% |
| Yield on earning assets | 5.14% |
| Cost of funds | 1.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.33% |
| Core deposits to total deposits | 85.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.53% |
| Securities to assets | 7.40% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.90% | 11.90% | 13.05% | 8.75% | -0.06% |
| Q4 2023 | 11.73% | 11.73% | 12.92% | 8.45% | -2.97% |
| Q1 2024 | 11.63% | 11.63% | 12.79% | 8.42% | 0.18% |
| Q2 2024 | 12.37% | 12.37% | 13.53% | 8.63% | 2.48% |
| Q3 2024 | 12.56% | 12.56% | 13.71% | 8.46% | 0.26% |
| Q4 2024 | 12.15% | 12.15% | 13.32% | 8.50% | -0.08% |
| Q1 2025 | 12.91% | 12.91% | 14.16% | 8.76% | 0.26% |
| Q2 2025 | 11.75% | 11.75% | 12.90% | 8.80% | 0.33% |
| Q3 2025 | 11.48% | 11.48% | 12.59% | 8.71% | 0.36% |
| Q4 2025 | 11.34% | 11.34% | 12.41% | 8.62% | 0.56% |
| Q1 2026 | 11.32% | 11.32% | 12.37% | 8.72% | 0.41% |
| Q2 2026 | 11.24% | 11.24% | 12.26% | 8.82% | 0.63% |
Bay State Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bay State Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bay State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90311) · FFIEC NIC profile (RSSD 963002)