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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Monson, MA · FDIC certificate #90245
MONSON SAVINGS BANK is an FDIC-insured institution based in Monson, MA (FDIC certificate #90245). In its Q3 2026 Call Report it reported total assets of $816M, total deposits of $732M and net loans of $653M. Its primary federal regulator is FDIC.
Plain-language readout
MONSON SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $816M in Q3 2026 and were lowest at $806M in Q2 2026.
Total deposits were highest at $733M in Q1 2026 and lowest at $722M in Q2 2026.
Over the whole period total assets rose 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $816M | $732M | $653M | 0.99% | 10.68% | 3.54% |
| Q2 2026 | $806M | $722M | $634M | 0.99% | 10.68% | 3.49% |
| Q1 2026 | $814M | $733M | $633M | 0.93% | 10.14% | 3.40% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $72.8M | $82.6M | -$9.7M | -11.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $67.1M | $66.2M | +$963K | +1.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $633.7M | $632.9M | +$796K | +0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.7M | $5.4M | +$225K | +4.1% |
| 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) | $1.2M | $1.2M | -$4K | -0.3% |
| All other assets | $25.8M | $25.7M | +$135K | +0.5% |
| Total assets | $806.3M | $814.0M | -$7.6M | -0.9% |
| Liabilities | ||||
| Total deposits | $721.9M | $733.3M | -$11.5M | -1.6% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $8.8M | $7.9M | +$924K | +11.7% |
| Total liabilities | $730.7M | $741.2M | -$10.6M | -1.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $78.8M | $76.8M | +$2.1M | +2.7% |
| Accumulated other comprehensive income | -$3.2M | -$4.0M | +$841K | +21.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $75.7M | $72.8M | +$2.9M | +4.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.5M | $622K | +$834K | +134.1% |
| Adjusted nonperforming assets | $1.5M | $622K | +$834K | +134.1% |
| Tangible equity plus allowance | $78.7M | $75.8M | +$2.9M | +3.9% |
| Texas ratio (gross) | 1.85% | 0.82% | +1.03 pts | See points |
| Texas ratio (adjusted) | 1.85% | 0.82% | +1.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.38% | 0.82% | +1.56 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.55% | 9.79% | -0.24 pts | See points |
| Construction and land loans to total capital | 53.96% | 60.96% | -7.00 pts | See points |
| Commercial real estate to total capital | 276.91% | 282.57% | -5.67 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 | -5.36% | -6.93% | +1.57 pts | See points |
| Liquidity | ||||
| Core deposits | $586.3M | $601.7M | -$15.4M | -2.6% |
| Non-core funding | $135.5M | $131.7M | +$3.9M | +2.9% |
| Loans to core deposits | 108.81% | 105.90% | +2.91 pts | See points |
| Loans to deposits | 88.38% | 86.89% | +1.49 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 | 36.48% | 35.52% | +0.96 pts | See points |
| Volatile liabilities | $135.5M | $131.7M | +$3.9M | +2.9% |
| Earnings | ||||
| Earnings before provision, year to date | $5.1M | $2.4M | +$2.7M | +115.1% |
| Earnings before provision, single quarter | $2.7M | $2.4M | +$359K | +15.1% |
| Provision for credit losses, year to date | $17K | $3K | +$14K | +466.7% |
| Yield and cost | ||||
| Yield on loans and leases | 5.45% | 5.35% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.99% | 3.13% | +0.86 pts | See points |
| Total interest income to average assets | 4.92% | 4.88% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 0.40% | 0.41% | -0.01 pts | See points |
| Cost of savings and money market deposits | 1.54% | 1.38% | +0.15 pts | See points |
| Cost of time deposits | 3.52% | 3.59% | -0.07 pts | See points |
| Total interest expense to average assets | 1.62% | 1.65% | -0.03 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 | $816M | $732M | $653M | 0.99% | 10.68% | 3.54% |
| 2026-06-30 | $806M | $722M | $634M | 0.99% | 10.68% | 3.49% |
| 2026-03-31 | $814M | $733M | $633M | 0.93% | 10.14% | 3.40% |
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 | $675.5M | 0.11% | 70 | Continuing · -0.00 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.