Monson Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Monson Savings Bank is an FDIC-insured savings bank headquartered in Monson, MA, established in 1872 (FDIC certificate 90245), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $806.3M, up 7.7% from Q2 2025, the 56th largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.55% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90245
- Headquarters
- Monson, MA
- Established
- 1872
- Total assets, Q2 2026
- $806.3M
- Assets vs Q2 2025
- +7.7%
- Tier 1 leverage ratio, Q2 2026
- 9.55%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 211871219
- Latest call report
- Q2 2026, FFIEC 051 · Monson Savings Bank call report
- Holding company
- MONSON FINANCIAL SERVICES CORPORATION
- Asset rank in state
- 56th of 89 in Massachusetts
Monson Savings Bank leans heavily on commercial real estate. It reported $806 million in assets at June 30, 2026, up 7.7% from a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.55% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 22% from a year earlier, to $2.1 million.
As of June 30, 2026, Monson Savings Bank reported a return on assets of 1.01%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.82%. The figures come from its call report filed with the FFIEC.
Monson Savings Bank ranks as the 56th largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.9% to $806.3M, loans rose 0.1% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 48.9% of total loans, followed by non-owner-occupied commercial real estate loans at 15.5%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in MA; its Wilbraham office books 26% of its branch deposits. On its Q2 2026 call report, Monson Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 146 Main St, Monson, MA 01057
- County
- Hampden
- Metro Area
- Springfield, MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 27, 1872
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 100
- Domestic deposits
- $721.9M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $825.8M
- Average total loans
- $633.8M
- Average interest-bearing deposits
- $595.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1985
- FDIC Cert
- 90245
- Fed RSSD
- 951102
- Website
- www.monsonsavings.bank →
- Parent Holding Company
- MONSON FINANCIAL SERVICES CORPORATION (RSSD 3370496)
- Ultimate Parent
- MONSON FINANCIAL SERVICES MHC (RSSD 3370508)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Monson Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Monson Savings Bank's total assets ranged from $657.5M (Q4 2023) to $814.0M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$806.3M total assets against $749.0M; $730.7M total liabilities against $682.6M.
$633.7M net loans and leases against $590.6M; $721.9M total deposits against $675.5M.
$67.1M securities against $65.1M; $72.8M cash and balances due against $61.2M.
$10.2M total interest income against $9.0M; $3.3M total interest expense against $3.1M.
$6.8M net interest income against $5.9M.
$1.1M total noninterest income against $1.1M; $5.2M total noninterest expense against $4.7M.
$14K provision for credit losses against $113K.
$2.1M net income against $1.7M.
1.01% return on assets against 0.92%; 3.49% net interest margin against 3.36%.
9.55% tier 1 leverage ratio against 9.57%.
Inside the full Monson Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Monson Savings Bank rankings
Its closest position to the top of a national ranking is 1,240 of 4,196, for total assets; its furthest is 2,487 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.59% (Q3 2024) to 1.01% (Q2 2026) and its net interest margin ran from 2.98% (Q3 2024) to 3.57% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.55% | 1.01% | 0.23% | 1.82% | 3.49% |
| Q1 2026 | 9.79% | 0.93% | 0.10% | 0.81% | 3.38% |
| Q4 2025 | 9.93% | 0.89% | 0.08% | 0.64% | 3.57% |
| Q3 2025 | 9.78% | 0.93% | 0.09% | 0.77% | 3.47% |
| Q2 2025 | 9.57% | 0.92% | 0.13% | 1.09% | 3.36% |
| Q1 2025 | 9.49% | 0.65% | 0.10% | 0.85% | 3.09% |
| Q4 2024 | 9.42% | 0.84% | 0.11% | 0.88% | 3.15% |
| Q3 2024 | 9.41% | 0.59% | 0.13% | 1.06% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wilbraham Branch | Wilbraham , MA | 01095 | $187.1M |
| Monson Savings Bank (main office) | Monson , MA | 01057 | $180.9M |
| Hampden Branch | Hampden , MA | 01036 | $140.7M |
| East Longmeadow Branch | East Longmeadow , MA | 01028 | $138.6M |
| Ware Branch | Ware , MA | 01082 | $74.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MA, rank 66 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 275 applications, 216 loans originated, $83.2M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $360K approved, $360K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Monson Savings Bank
What are Monson Savings Bank's total assets?
As of the Q2 2026 filing, Monson Savings Bank reported total assets of $806.3 million in its FFIEC call report.
Where is Monson Savings Bank headquartered?
It is headquartered in Monson, MA, United States.
When was Monson Savings Bank founded?
It was established in 1872, per the FDIC institution directory.
Is Monson Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90245). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Monson Savings Bank?
Monson Savings Bank's primary federal regulator is the FDIC.
How many branches does Monson Savings Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Monson Savings Bank's Texas Ratio?
Its Texas Ratio is 1.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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