Bay State Savings Bank

BankStateWorcester, MA·Est. 1895·baystatesavingsbank.com·FDIC #90311Compare ⇄▤ Account brief

Total assets

$580.3M

▲ +4.9% YoY

Deposits

$513.7M

▲ +3.9% YoY

Loans

$485.4M

▲ +10.3% YoY

Offices

1895 MHC

ROA (annualized)

0.51%

peers 1.28%

ROE (annualized)

5.77%

peers 12.44%

Peer comparison 748 banks with 500M-1B in assets

Metric	Bay State Savings Bank	Peer median	Δ
Asset growth (YoY)	+4.9%	+4.9%	-0.0 pts
Deposit growth (YoY)	+3.9%	+4.3%	-0.4 pts
Loan growth (YoY)	+10.3%	+5.3%	+5.0 pts
ROA	0.51%	1.28%	-0.8 pts
ROE	5.8%	12.4%	-6.7 pts

ROA ranks in the 10th percentile of its peer group · Q2 2026

Profile

Established: 1895
Charter: State
Primary regulator: FDIC
Holding company: 1895 MHC
Specialization: Commercial Lending Specialization
Address: 28 Franklin St, Worcester, MA, 01608
County: Worcester
Metro area: Worcester, MA-CT
Offices: 8
FDIC cert #: 90311
RSSD ID: 963002
Latest call report: Q2 2026

Total assets last 8 quarters

Deposits last 8 quarters

Quarterly financials FDIC call report

Quarter	Assets	Deposits	Loans	Equity	Net income YTD	ROA	NIM	Nonperforming
Q2 2026	$580.3M	$513.7M	$485.4M	$52.1M	$1.5M	0.51%	3.38%	0.39%
Q1 2026	$585.4M	$524.0M	$467.7M	$51.3M	$583K	0.40%	3.36%	0.39%
Q4 2025	$571.9M	$510.5M	$465.5M	$51.0M	$2.1M	0.37%	2.97%	0.31%
Q3 2025	$581.4M	$520.8M	$453.6M	$50.1M	$1.3M	0.31%	2.89%	0.40%
Q2 2025	$553.4M	$494.2M	$440.0M	$49.3M	$808K	0.29%	2.86%	0.42%
Q1 2025	$547.1M	$488.2M	$427.4M	$48.9M	$357K	0.26%	2.82%	0.41%
Q4 2024	$555.1M	$496.3M	$423.5M	$48.4M	$3.8M	0.71%	2.72%	0.46%
Q3 2024	$560.3M	$488.1M	$430.4M	$49.1M	$4.0M	0.97%	2.69%	0.56%

Loan mix (Q2 2026): real estate $459.9M · commercial $24.5M · consumer $5.2M · securities $43.0M

Signals what changed in the call reports

Nothing unusual in Q2 2026 — steady quarter.

Ratio pack Q2 2026 · peer medians from 748 institutions

Profitability

Ratio	Bay State Savings Bank	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.51%	1.28%	10th
Return on equity Annualized net income ÷ equity or net worth	5.8%	12.4%	14th
Net interest margin Interest income − interest expense, ÷ assets	3.38%	3.89%

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Ratio	Bay State Savings Bank	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Liquidity & funding

Ratio	Bay State Savings Bank	Peer median
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high	00.0%	00.0%
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive	00.0%	00.0%
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up	00.0%	00.0%
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash	00.0%	00.0%

Ratio	Bay State Savings Bank	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%