Monson 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 312.27 percentage points lower than in Q1 2026, at 373.58%. Monson Savings Bank ranks 24th of 89 Massachusetts banks on return on assets, in the upper half at 1.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Monson Savings Bank sits 0.24 points lower, at 1.01% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.55% |
| Equity capital to assets | 9.39% |
| Tangible equity to tangible assets | 9.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.35% |
| Allowance for credit losses to loans | 0.67% |
| Reserve coverage of non-performing loans | 373.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 11.25% |
| Net interest margin | 3.49% |
| Efficiency ratio | 64.85% |
| Yield on earning assets | 5.19% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.38% |
| Core deposits to total deposits | 81.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.52% |
| Securities to assets | 8.32% |
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 | 9.46% | 0.75% | 3.31% | 0.24% | 0.01% |
| Q4 2023 | 9.59% | 0.72% | 3.07% | 0.16% | 0.01% |
| Q1 2024 | 9.62% | 0.66% | 2.96% | 0.15% | 0.00% |
| Q2 2024 | 9.38% | 0.81% | 3.02% | 0.13% | 0.01% |
| Q3 2024 | 9.41% | 0.59% | 2.98% | 0.19% | 0.01% |
| Q4 2024 | 9.42% | 0.84% | 3.15% | 0.17% | 0.00% |
| Q1 2025 | 9.49% | 0.65% | 3.09% | 0.10% | -0.04% |
| Q2 2025 | 9.57% | 0.92% | 3.36% | 0.13% | 0.04% |
| Q3 2025 | 9.78% | 0.93% | 3.47% | 0.09% | -0.00% |
| Q4 2025 | 9.93% | 0.89% | 3.57% | 0.08% | 0.00% |
| Q1 2026 | 9.79% | 0.93% | 3.38% | 0.10% | 0.01% |
| Q2 2026 | 9.55% | 1.01% | 3.49% | 0.18% | 0.01% |
Monson Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Monson 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 Monson Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90245) · FFIEC NIC profile (RSSD 951102)