Savers Co-Operative Bank
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Data as of · sourced from FFIEC call reports. How we update
Savers Co-Operative Bank is an FDIC-insured savings bank headquartered in Southbridge, MA, established in 1910 (FDIC certificate 26455), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $783.2M, down 0.5% from Q2 2025, the 57th largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.30% 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
- 26455
- Headquarters
- Southbridge, MA
- Established
- 1910
- Total assets, Q2 2026
- $783.2M
- Assets vs Q2 2025
- -0.5%
- Tier 1 leverage ratio, Q2 2026
- 11.30%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 211371311
- Latest call report
- Q2 2026, FFIEC 051 · Savers Co-Operative Bank call report
- Asset rank in state
- 57th of 89 in Massachusetts
Problem loans are rising at Savers Co-Operative Bank. The Southbridge, Massachusetts bank had $783 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.64% of loans from 1.34% a year earlier. It holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 24.8% of the capital and reserves that would absorb them, 9.4 times the median of 2.6% for banks its size.
The non-owner-occupied commercial real estate book ($192 million) is worsening: 10.43% of it is past due or on nonaccrual, up from 2.71% a year earlier. Its margin is thin by comparison: it keeps 3.08 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Savers Co-Operative Bank reported a return on assets of 0.67%, a nonperforming-loan ratio of 3.64% and a Texas ratio of 24.84%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Savers Co-Operative Bank is the 57th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.8% to $783.2M, loans fell 1.7% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 31.4%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in MA; its Southbridge 2 offices book 26% of its branch deposits. Judged on its Q2 2026 call report, Savers Co-Operative Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 270 Main St, Southbridge, MA 01550
- County
- Worcester
- Metro Area
- Worcester, 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
- January 1, 1910
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $562.3M
- Allowance for credit losses
- $8.4M
- Net charge-offs (YTD)
- $120K
- Average total assets
- $804.3M
- Average total loans
- $616.0M
- Average interest-bearing deposits
- $540.1M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- November 26, 1985
- FDIC Cert
- 26455
- Fed RSSD
- 1002373
- Website
- http://www.saversbank.com →
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, Savers Co-Operative Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Savers Co-Operative Bank's total assets moved between a low of $718.0M (Q1 2024) and a high of $797.2M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$783.2M total assets against $787.5M; $701.7M total liabilities against $711.7M.
$603.9M net loans and leases against $608.1M; $562.3M total deposits against $553.8M.
$121.4M securities against $124.5M; $10.8M cash and balances due against $9.1M.
$9.6M total interest income against $9.1M; $3.7M total interest expense against $4.0M.
$5.9M net interest income against $5.1M.
$824K total noninterest income against $904K; $4.7M total noninterest expense against $4.5M.
$248K provision for credit losses against $2.1M.
$1.3M net income against -$422K.
0.67% return on assets against -0.21%; 3.08% net interest margin against 2.70%.
11.30% tier 1 leverage ratio against 10.97%.
Inside the full Savers Co-Operative 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Savers Co-Operative Bank rankings
Its closest position to the top of a national ranking is 103 of 3,640, for Texas Ratio; its furthest is 3,059 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.33% (Q4 2025) to 0.67% (Q2 2026) and its net interest margin ran from 2.53% (Q3 2024) to 3.08% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.30% | 0.67% | 3.64% | 24.84% | 3.08% |
| Q1 2026 | 11.02% | 0.66% | 2.38% | 16.83% | 2.95% |
| Q4 2025 | 10.92% | -0.33% | 2.49% | 17.83% | 2.87% |
| Q3 2025 | 10.93% | 0.66% | 1.37% | 10.03% | 2.86% |
| Q2 2025 | 10.97% | -0.21% | 1.34% | 10.19% | 2.70% |
| Q1 2025 | 11.12% | 0.53% | 0.46% | 3.64% | 2.67% |
| Q4 2024 | 11.04% | 0.57% | 0.43% | 3.48% | 2.67% |
| Q3 2024 | 11.08% | 0.44% | 0.52% | 3.62% | 2.53% |
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 |
|---|---|---|---|
| Savers Co-Operative Bank (main office) | Southbridge , MA | 01550 | $147.5M |
| Auburn Branch | Auburn , MA | 01501 | $137.7M |
| Uxbridge Branch | Uxbridge , MA | 01569 | $107.3M |
| Grafton Branch | North Grafton , MA | 01536 | $75.6M |
| Sturbridge Branch | Sturbridge , MA | 01566 | $48.0M |
| Charlton Branch | Charlton , MA | 01507 | $46.3M |
| Operations Center Branch | Southbridge , MA | 01550 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 74 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $662K approved, $662K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (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 Savers Co-Operative Bank
What are Savers Co-Operative Bank's total assets?
As of the Q2 2026 filing, Savers Co-Operative Bank reported total assets of $783.2 million in its FFIEC call report.
Where is Savers Co-Operative Bank headquartered?
It is headquartered in Southbridge, MA, United States.
When was Savers Co-Operative Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Savers Co-Operative Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #26455). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Savers Co-Operative Bank?
Savers Co-Operative Bank's primary federal regulator is the FDIC.
How many branches does Savers Co-Operative 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 Savers Co-Operative Bank's Texas Ratio?
Its Texas Ratio is 24.84% 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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