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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Worcester, MA · FDIC certificate #90311
BAY STATE SAVINGS BANK is an FDIC-insured institution based in Worcester, MA (FDIC certificate #90311). In its Q3 2026 Call Report it reported total assets of $578M, total deposits of $518M and net loans of $486M. Its primary federal regulator is FDIC.
Plain-language readout
BAY STATE SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $585M in Q1 2026 and were lowest at $578M in Q3 2026.
Total deposits were highest at $524M in Q1 2026 and lowest at $514M in Q2 2026.
Over the whole period total assets fell 1.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $578M | $518M | $486M | 0.53% | 5.99% | 3.45% |
| Q2 2026 | $580M | $514M | $485M | 0.51% | 5.77% | 3.38% |
| Q1 2026 | $585M | $524M | $468M | 0.40% | 4.56% | 3.36% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.2M | $39.2M | -$24.0M | -61.3% |
| Federal funds sold | $6.2M | $4.9M | +$1.4M | +27.8% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $40.0M | $41.2M | -$1.1M | -2.7% |
| Equity securities with readily determinable fair values, not held for trading | $2.9M | $2.4M | +$541K | +22.7% |
| Loans and leases held for sale | $396K | $0K | +$396K | n/a |
| Net loans and leases (after allowance) | $485.0M | $467.7M | +$17.4M | +3.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.9M | $5.1M | -$149K | -2.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $90K | $96K | -$6K | -6.3% |
| All other assets | $25.5M | $25.0M | +$553K | +2.2% |
| Total assets | $580.3M | $585.4M | -$5.1M | -0.9% |
| Liabilities | ||||
| Total deposits | $513.7M | $524.0M | -$10.3M | -2.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $8.8M | $4.1M | +$4.7M | +113.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.6M | $5.9M | -$290K | -4.9% |
| Total liabilities | $528.2M | $534.1M | -$5.9M | -1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $1K | $1K | $0K | 0.0% |
| Retained earnings | $52.6M | $51.7M | +$902K | +1.7% |
| Accumulated other comprehensive income | -$515K | -$387K | -$128K | -33.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $52.1M | $51.3M | +$774K | +1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.3M | $2.3M | +$1K | +0.0% |
| Adjusted nonperforming assets | $2.3M | $2.3M | +$1K | +0.0% |
| Tangible equity plus allowance | $56.3M | $55.5M | +$775K | +1.4% |
| Texas ratio (gross) | 4.05% | 4.10% | -0.05 pts | See points |
| Texas ratio (adjusted) | 4.05% | 4.10% | -0.05 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 4.10% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 11.24% | 11.32% | -0.09 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.24% | 11.32% | -0.09 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.02% | 1.05% | -0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.26% | 12.37% | -0.11 pts | See points |
| Tier 1 leverage (approximate) | 8.82% | 8.72% | +0.10 pts | See points |
| Construction and land loans to total capital | 28.64% | 36.90% | -8.26 pts | See points |
| Commercial real estate to total capital | 231.27% | 230.47% | +0.80 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.57% | -1.26% | -0.30 pts | See points |
| Liquidity | ||||
| Core deposits | $439.7M | $448.8M | -$9.1M | -2.0% |
| Non-core funding | $82.8M | $79.3M | +$3.5M | +4.4% |
| Loans to core deposits | 111.27% | 105.15% | +6.12 pts | See points |
| Loans to deposits | 95.25% | 90.07% | +5.19 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 43.11% | 44.87% | -1.76 pts | See points |
| Volatile liabilities | $82.8M | $79.3M | +$3.5M | +4.4% |
| Earnings | ||||
| Earnings before provision, year to date | $1.8M | $837K | +$987K | +117.9% |
| Earnings before provision, single quarter | $987K | $837K | +$150K | +17.9% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.29% | 5.25% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 2.85% | 3.17% | -0.32 pts | See points |
| Total interest income to average assets | 4.88% | 4.86% | +0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 0.04% | 0.03% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.74% | 1.70% | +0.04 pts | See points |
| Cost of time deposits | 3.54% | 3.64% | -0.10 pts | See points |
| Total interest expense to average assets | 1.66% | 1.67% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $578M | $518M | $486M | 0.53% | 5.99% | 3.45% |
| 2026-06-30 | $580M | $514M | $485M | 0.51% | 5.77% | 3.38% |
| 2026-03-31 | $585M | $524M | $468M | 0.40% | 4.56% | 3.36% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MA | $494.2M | 0.08% | 81 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.