Country Bank for Savings: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.38 percentage points lower than in Q1 2026, at 101.58%. Within Massachusetts, Country Bank for Savings is 27th of 89 on return on assets, 0.94% as of Q2 2026, above the middle of the field. Country Bank for Savings reported 0.94% on return on assets for Q2 2026, 0.34 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.84% |
| Equity capital to assets | 14.22% |
| Tangible equity to tangible assets | 14.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.14% |
| Non-performing assets ratio | 0.90% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.98% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 86.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.94% |
| Return on equity | 6.66% |
| Net interest margin | 3.43% |
| Efficiency ratio | 67.15% |
| Yield on earning assets | 5.19% |
| Cost of funds | 2.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.58% |
| Core deposits to total deposits | 85.19% |
| Brokered deposits to total deposits | 4.13% |
| Deposits to assets | 77.29% |
| Securities to assets | 15.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 16.17% | 0.64% | 3.07% | 2.07% | -0.02% |
| Q4 2023 | 16.21% | 0.87% | 2.95% | 2.03% | 0.00% |
| Q1 2024 | 16.16% | 0.52% | 2.79% | 2.02% | -0.00% |
| Q2 2024 | 16.00% | 0.42% | 2.77% | 1.94% | 0.01% |
| Q3 2024 | 15.71% | 0.50% | 2.77% | 1.94% | 0.01% |
| Q4 2024 | 15.63% | 0.38% | 2.96% | 2.96% | 0.01% |
| Q1 2025 | 15.60% | 0.45% | 3.00% | 2.87% | 0.00% |
| Q2 2025 | 14.85% | 0.50% | 3.07% | 2.77% | 0.00% |
| Q3 2025 | 14.72% | 0.75% | 3.18% | 2.72% | 0.01% |
| Q4 2025 | 14.77% | 0.68% | 3.26% | 2.76% | -0.01% |
| Q1 2026 | 14.83% | 0.68% | 3.23% | 1.17% | 0.00% |
| Q2 2026 | 14.84% | 0.94% | 3.43% | 1.14% | 0.00% |
Country Bank for Savings vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Country Bank for Savings, 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 Country Bank for Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23992) · FFIEC NIC profile (RSSD 689209)