TellerScore

Bay State Savings Bank (FDIC certificate #90311) is based in Worcester, Massachusetts. Its Q2 2026 call report shows $580.3M in total assets and $513.7M in deposits and 8 offices.

Based on its Q2 2026 filing, Bay State Savings Bank scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 73rd. Its strongest component is problem-loan coverage (92/100; 4.0%), and its lowest is capital cushion (38/100; 8.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.82%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings40/100
Return on assets (annualized): 0.51%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 94.5% · 30.5% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.04%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (56 → 57).

TellerScore
566063Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202459
Q4 202458
Q1 202556
Q2 202556
Q3 202556
Q4 202557
Q1 202656
Q2 202657
Tier 1 leverage ratio
5.00%6.91%8.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.63%
Q3 20248.46%
Q4 20248.50%
Q1 20258.76%
Q2 20258.80%
Q3 20258.71%
Q4 20258.62%
Q1 20268.72%
Q2 20268.82%
Noncurrent loans
0.38%0.53%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.60%
Q3 20240.68%
Q4 20240.55%
Q1 20250.47%
Q2 20250.48%
Q3 20250.47%
Q4 20250.38%
Q1 20260.48%
Q2 20260.47%
Return on assets
0.26%0.80%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.34%
Q3 20240.97%
Q4 20240.71%
Q1 20250.26%
Q2 20250.29%
Q3 20250.31%
Q4 20250.37%
Q1 20260.40%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$580.3M8.82%0.47%0.51%94.5%
Q1 202656$585.4M8.72%0.48%0.40%89.2%
Q4 202557$571.9M8.62%0.38%0.37%91.2%
Q3 202556$581.4M8.71%0.47%0.31%87.1%
Q2 202556$553.4M8.80%0.48%0.29%89.0%
Q1 202556$547.1M8.76%0.47%0.26%87.6%
Q4 202458$555.1M8.50%0.55%0.71%85.3%
Q3 202459$560.3M8.46%0.68%0.97%88.2%
Q2 202463$550.1M8.63%0.60%1.34%87.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.82%
10th
Total risk-based capital12.26%
53rd
Problem loans0.47%
47th
Net charge-offs0.01%
44th
Return on assets0.51%
13th
Net interest margin3.38%
23rd
Efficiency ratio81.6%
12th
Loans to deposits94.5%
17th
Uninsured deposits30.5%
27th
Loan-loss reserves0.88%
16th
Texas ratio4.0%
41st

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Lee BankBank Lee, MA64 out of 100, Moderate$591.2M9.6%0.52%vs
The Cooperative BankBank Roslindale, MA52 out of 100, Below average$548.3M9.3%0.57%vs
Milford Federal BankBank Milford, MA67 out of 100, Moderate$545.1M11.9%0.40%vs
Haverhill BankBank Haverhill, MA77 out of 100, Strong$636.8M11.2%0.14%vs
OneUnited BankBank Boston, MA59 out of 100, Moderate$637.9M10.4%0.42%vs
Walpole Co-operative BankBank Walpole, MA83 out of 100, Strong$646.5M18.8%0.11%vs

Deposit insurance

Is my money safe at Bay State Savings Bank?

Yes. Bay State Savings Bank is an FDIC-insured institution (FDIC certificate #90311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.5% of deposits ($156.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.82%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.26% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Bay State Savings Bank lists 8 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bay State Savings Bank reported 150 home-loan applications under HMDA (LEI 549300V8UCJTLZZT4M32): 92 originated ($29,720,000 total), 25 denied, and 32 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bay State Savings Bank
Type
SI
FDIC certificate #
90311
RSSD ID
963002
Primary regulator
FDIC
Holding company
1895 Mhc
Established
March 9, 1895
Headquarters
28 Franklin St, Worcester, MA 01608
Employees
84

Quick answers

Bay State Savings Bank: common questions

Is Bay State Savings Bank FDIC insured?

Yes. Bay State Savings Bank is an FDIC-insured institution (FDIC certificate #90311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bay State Savings Bank's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bay State Savings Bank ever failed?

There is no failure record for FDIC certificate #90311 in the FDIC failed bank list.

How many branches does Bay State Savings Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Worcester

InstitutionScoreAssetsCapitalProblem loansCompare
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Webster First Federal Credit UnionCredit union Worcester, MA87 out of 100, Very strong$1.5B19.7%0.41%vs
Allcom Credit UnionCredit union Worcester, MA85 out of 100, Very strong$81.8M16.6%0.07%vs
Leominster Employees Federal Credit UnionCredit union Leominster, MA80 out of 100, Strong$30.0M11.2%0.01%vs
Middlesex Savings BankBank Natick, MA79 out of 100, Strong$6.1B13.4%0.33%vs
Worcester Fire Dept. Credit UnionCredit union Worcester, MA78 out of 100, Strong$47.1M13.2%0.91%vs