North Brookfield Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
North Brookfield Savings Bank is an FDIC-insured commercial bank headquartered in North Brookfield, MA, established in 1854 (FDIC certificate 90258), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $448.7M, up 3.7% from Q2 2025, the 72nd largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.92% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 90258
- Headquarters
- North Brookfield, MA
- Established
- 1854
- Total assets, Q2 2026
- $448.7M
- Assets vs Q2 2025
- +3.7%
- Tier 1 leverage ratio, Q2 2026
- 10.92%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 211374091
- Latest call report
- Q2 2026, FFIEC 051 · North Brookfield Savings Bank call report
- Holding company
- TRUNORTH BANCORP, INC.
- Asset rank in state
- 72nd of 89 in Massachusetts
North Brookfield Savings Bank, based in North Brookfield, Massachusetts, reported $449 million in assets at June 30, 2026, up 3.7% from a year earlier. It keeps 3.02 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $0.63 a year on every $100 of assets, about half the median of $1.28 for banks its size.
Earnings jumped: net income for the quarter was $697,000, 37% above the same quarter a year earlier. Unrealized losses on its securities total $10 million, equal to 22% of Tier 1 capital, against 25% a year earlier. Costs are the weak spot: it spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, North Brookfield Savings Bank reported a return on assets of 0.63%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 2.03%. The figures come from its call report filed with the FFIEC.
North Brookfield Savings Bank ranks as the 72nd largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $448.7M, loans fell 0.3% and deposits rose 2.4%. 1-4 family residential loans made up 58.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 17.1%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in MA; its North Brookfield 2 offices book 34% of its branch deposits. Judged on its Q2 2026 call report, North Brookfield Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 9 Gilbert St, North Brookfield, MA 01535
- County
- Worcester
- Metro Area
- Worcester, MA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 3, 1854
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $383.2M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $440.6M
- Average total loans
- $292.9M
- Average interest-bearing deposits
- $292.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 8, 1985
- FDIC Cert
- 90258
- Fed RSSD
- 528102
- Parent Holding Company
- TRUNORTH BANCORP, INC. (RSSD 5616198)
- Ultimate Parent
- TRUNORTH BANCORP MHC (RSSD 5616189)
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, North Brookfield Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, North Brookfield Savings Bank's total assets ran between $396.8M (Q3 2023) and $448.7M (Q2 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
$448.7M total assets against $432.7M; $407.9M total liabilities against $395.0M.
$291.1M net loans and leases against $285.0M; $383.2M total deposits against $372.9M.
$114.1M securities against $107.4M; $17.0M cash and balances due against $13.3M.
$4.9M total interest income against $4.6M; $1.7M total interest expense against $1.8M.
$3.1M net interest income against $2.8M.
$552K total noninterest income against $532K; $2.8M total noninterest expense against $2.7M.
-$20K provision for credit losses against $36K.
$697K net income against $508K.
0.63% return on assets against 0.47%; 3.02% net interest margin against 2.79%.
10.92% tier 1 leverage ratio against 10.64%.
Inside the full North Brookfield Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNorth Brookfield Savings Bank rankings
Its closest position to the top of a national ranking is 1,905 of 4,196, for total assets; its furthest is 3,107 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.25% (Q3 2024) to 0.63% (Q2 2026) and its net interest margin ran from 2.50% (Q3 2024) to 3.02% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.92% | 0.63% | 0.29% | 2.03% | 3.02% |
| Q1 2026 | 10.84% | 0.49% | 0.22% | 1.55% | 2.91% |
| Q4 2025 | 10.73% | 0.63% | 0.15% | 1.06% | 2.91% |
| Q3 2025 | 10.65% | 0.47% | 0.14% | 1.05% | 2.92% |
| Q2 2025 | 10.64% | 0.47% | 0.18% | 1.94% | 2.79% |
| Q1 2025 | 10.79% | 0.33% | 0.31% | 2.93% | 2.63% |
| Q4 2024 | 10.72% | 0.46% | 0.41% | 3.14% | 2.54% |
| Q3 2024 | 10.83% | 0.25% | 0.63% | 4.66% | 2.50% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| North Brookfield Savings Bank (main office) | North Brookfield , MA | 01535 | $127.3M |
| West Brookfield Branch | West Brookfield , MA | 01585 | $75.7M |
| East Brookfield Branch | East Brookfield , MA | 01515 | $64.2M |
| Three Rivers Branch | Three Rivers , MA | 01080 | $55.4M |
| Familyfirst Bank Branch | Ware , MA | 01082 | $36.2M |
| Belchertown Branch | Belchertown , MA | 01007 | $22.7M |
| Nbsb Online Branch | North Brookfield , MA | 01535 | $1.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2014 | Structure Change | Acquired FamilyFirst Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 83 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 8 loans, $622K approved, $78K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 North Brookfield Savings Bank
What are North Brookfield Savings Bank's total assets?
As of the Q2 2026 filing, North Brookfield Savings Bank reported total assets of $448.7 million in its FFIEC call report.
Where is North Brookfield Savings Bank headquartered?
It is headquartered in North Brookfield, MA, United States.
When was North Brookfield Savings Bank founded?
It was established in 1854, per the FDIC institution directory.
Is North Brookfield Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #90258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Brookfield Savings Bank?
North Brookfield Savings Bank's primary federal regulator is the Federal Reserve.
How many branches does North Brookfield Savings Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North Brookfield Savings Bank's Texas Ratio?
Its Texas Ratio is 2.03% 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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