Headquartered in Clinton, Massachusetts, Clinton Savings Bank is a si with $744.7M in total assets and $581.6M in deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1851.
Clinton Savings Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 71st. Loan quality contributes the most (83/100, 0.50%); earnings contributes the least (34/100, 0.35%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 16 points (42 → 58), mostly because the loan quality component improved by 63 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 40 |
| Q3 2024 | 35 |
| Q4 2024 | 35 |
| Q1 2025 | 35 |
| Q2 2025 | 42 |
| Q3 2025 | 31 |
| Q4 2025 | 42 |
| Q1 2026 | 47 |
| Q2 2026 | 58 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.52% |
| Q3 2024 | 10.33% |
| Q4 2024 | 10.26% |
| Q1 2025 | 10.27% |
| Q2 2025 | 10.41% |
| Q3 2025 | 10.12% |
| Q4 2025 | 9.58% |
| Q1 2026 | 9.55% |
| Q2 2026 | 9.65% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.27% |
| Q3 2024 | 2.81% |
| Q4 2024 | 2.82% |
| Q1 2025 | 2.82% |
| Q2 2025 | 2.40% |
| Q3 2025 | 3.20% |
| Q4 2025 | 1.58% |
| Q1 2026 | 1.68% |
| Q2 2026 | 0.50% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.33% |
| Q3 2024 | -0.13% |
| Q4 2024 | -0.18% |
| Q1 2025 | -0.16% |
| Q2 2025 | 0.21% |
| Q3 2025 | -0.19% |
| Q4 2025 | -0.71% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $744.7M | 9.65% | 0.50% | 0.35% | 88.1% |
| Q1 2026 | 47 | $728.9M | 9.55% | 1.68% | 0.24% | 87.5% |
| Q4 2025 | 42 | $743.0M | 9.58% | 1.58% | -0.71% | 91.4% |
| Q3 2025 | 31 | $747.4M | 10.12% | 3.20% | -0.19% | 92.8% |
| Q2 2025 | 42 | $744.0M | 10.41% | 2.40% | 0.21% | 88.7% |
| Q1 2025 | 35 | $749.8M | 10.27% | 2.82% | -0.16% | 88.6% |
| Q4 2024 | 35 | $742.0M | 10.26% | 2.82% | -0.18% | 87.5% |
| Q3 2024 | 35 | $755.3M | 10.33% | 2.81% | -0.13% | 90.5% |
| Q2 2024 | 40 | $745.0M | 10.52% | 2.27% | -0.33% | 89.8% |
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).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eagle BankBank Everett, MA | 65 out of 100, Moderate | $709.0M | 10.6% | 0.04% | vs |
| The Bank of CantonBank Canton, MA | 70 out of 100, Strong | $782.5M | 14.4% | 0.90% | vs |
| Savers Co-operative BankBank Southbridge, MA | 40 out of 100, Below average | $783.2M | 11.3% | 3.64% | vs |
| Monson Savings BankBank Monson, MA | 66 out of 100, Moderate | $806.3M | 9.5% | 0.23% | vs |
| Rollstone Bank & TrustBank Fitchburg, MA | 62 out of 100, Moderate | $816.3M | 10.1% | 0.20% | vs |
| Middlesex Federal Savings, F.A.Bank Somerville, MA | 65 out of 100, Moderate | $654.4M | 10.0% | 0.04% | vs |
Deposit insurance
Is my money safe at Clinton Savings Bank?
Yes. Clinton Savings Bank is an FDIC-insured institution (FDIC certificate #90181). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.0% of deposits ($145.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.65%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.84% (benchmark: 10%).
9 locations
Branches
Clinton Savings Bank lists 8 offices in 7 cities. Most locations:
- Boylston, MA (2)
- Berlin, MA (1)
- Bolton, MA (1)
- Clinton, MA (1)
- Shrewsbury, MA (1)
- Sterling, MA (1)
- West Boylston, MA (1)
HMDA 2025
Mortgage lending
In 2025, Clinton Savings Bank reported 90 home-loan applications under HMDA (LEI 5493008ZGR745OCU3U41): 67 originated ($28,705,000 total), 9 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.4%, 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
- Clinton Savings Bank
- Type
- SI
- FDIC certificate #
- 90181
- RSSD ID
- 179700
- Primary regulator
- FDIC
- Holding company
- Clinton Financial Services Mhc
- Established
- May 15, 1851
- Headquarters
- 200 Church St, Clinton, MA 01510
- Website
- www.clintonsavings.com
- Employees
- 95
Quick answers
Clinton Savings Bank: common questions
Is Clinton Savings Bank FDIC insured?
Yes. Clinton Savings Bank is an FDIC-insured institution (FDIC certificate #90181). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Clinton Savings Bank's TellerScore?
58 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 Clinton Savings Bank ever failed?
There is no failure record for FDIC certificate #90181 in the FDIC failed bank list.
How many branches does Clinton Savings Bank have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clinton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Webster First Federal Credit UnionCredit union Worcester, MA | 87 out of 100, Very strong | $1.5B | 19.7% | 0.41% | vs |
| Allcom Credit UnionCredit union Worcester, MA | 85 out of 100, Very strong | $81.8M | 16.6% | 0.07% | vs |
| Leominster Employees Federal Credit UnionCredit union Leominster, MA | 80 out of 100, Strong | $30.0M | 11.2% | 0.01% | vs |
| Middlesex Savings BankBank Natick, MA | 79 out of 100, Strong | $6.1B | 13.4% | 0.33% | vs |