TellerScore

Headquartered in Ware, Massachusetts, Country Bank for Savings is a si with $2.2B in total assets and $1.7B in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1850.

Country Bank for Savings has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 20th. Capital cushion contributes the most (98/100, 14.84%); funding & liquidity contributes the least (46/100, 101% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Tier 1 leverage ratio: 14.84%
Loan quality62/100
Noncurrent loans ÷ total loans: 1.14%
Earnings52/100
Return on assets (annualized): 0.81%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 100.6% · 27.4% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.98%

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 4 points (67 → 71), mostly because the earnings component improved by 13 points.

TellerScore
676971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202467
Q1 202568
Q2 202567
Q3 202569
Q4 202569
Q1 202670
Q2 202671
Tier 1 leverage ratio
5.00%10.50%16.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.00%
Q3 202415.71%
Q4 202415.64%
Q1 202515.60%
Q2 202514.85%
Q3 202514.72%
Q4 202514.77%
Q1 202614.83%
Q2 202614.84%
Noncurrent loans
1.14%1.26%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.35%
Q3 20241.38%
Q4 20241.35%
Q1 20251.30%
Q2 20251.23%
Q3 20251.17%
Q4 20251.19%
Q1 20261.17%
Q2 20261.14%
Return on assets
0.44%0.63%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.47%
Q3 20240.48%
Q4 20240.46%
Q1 20250.44%
Q2 20250.48%
Q3 20250.57%
Q4 20250.60%
Q1 20260.68%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$2.2B14.84%1.14%0.81%100.6%
Q1 202670$2.2B14.83%1.17%0.68%102.9%
Q4 202569$2.2B14.77%1.19%0.60%102.4%
Q3 202569$2.2B14.72%1.17%0.57%104.1%
Q2 202567$2.1B14.85%1.23%0.48%111.1%
Q1 202568$2.1B15.60%1.30%0.44%104.5%
Q4 202467$2.0B15.64%1.35%0.46%103.4%
Q3 202467$2.0B15.71%1.38%0.48%102.6%
Q2 202468$1.9B16.00%1.35%0.47%100.3%

897 peers · $1 billion – $10 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 ratio14.84%
93rd
Total risk-based capital0.00%
13th
Problem loans1.14%
23rd
Net charge-offs0.00%
75th
Return on assets0.81%
20th
Net interest margin3.39%
31st
Efficiency ratio70.0%
21st
Loans to deposits100.6%
13th
Uninsured deposits27.4%
61st
Loan-loss reserves0.99%
29th
Texas ratio6.0%
32nd

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
The Village BankBank Newton, MA58 out of 100, Moderate$2.1B9.5%0.23%vs
TruNorth BankBank Easthampton, MA48 out of 100, Below average$2.0B9.8%1.67%vs
Florence BankBank Florence, MA74 out of 100, Strong$2.0B12.2%0.46%vs
South Shore BankBank South Weymouth, MA65 out of 100, Moderate$2.5B10.1%0.24%vs
The Lowell Five Cent Savings BankBank Tewksbury, MA65 out of 100, Moderate$1.9B12.7%1.03%vs
Cornerstone BankBank Spencer, MA60 out of 100, Moderate$2.6B9.2%0.35%vs

Deposit insurance

Is my money safe at Country Bank for Savings?

Yes. Country Bank for Savings is an FDIC-insured institution (FDIC certificate #23992). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.4% of deposits ($473.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

Country Bank for Savings lists 16 offices in 14 cities. Most locations:

  • Worcester, MA (3)
  • Belchertown, MA (1)
  • Brimfield, MA (1)
  • Charlton, MA (1)
  • Leicester, MA (1)
  • Longmeadow, MA (1)
  • Ludlow, MA (1)
  • Palmer, MA (1)
  • Paxton, MA (1)
  • Springfield, MA (1)
  • Uxbridge, MA (1)
  • Ware, MA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Country Bank for Savings
Type
SI
FDIC certificate #
23992
RSSD ID
689209
Primary regulator
FDIC
Holding company
1850 Financial Mhc
Established
July 1, 1850
Headquarters
155 West St, Ware, MA 01082
Employees
241

Quick answers

Country Bank for Savings: common questions

Is Country Bank for Savings FDIC insured?

Yes. Country Bank for Savings is an FDIC-insured institution (FDIC certificate #23992). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Country Bank for Savings's TellerScore?

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

Has Country Bank for Savings ever failed?

There is no failure record for FDIC certificate #23992 in the FDIC failed bank list.

How many branches does Country Bank for Savings have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ware

InstitutionScoreAssetsCapitalProblem loansCompare
Stafford Savings BankBank Stafford Springs, CT95 out of 100, Very strong$507.0M50.6%0.56%vs
Greater Springfield Credit UnionCredit union Springfield, MA94 out of 100, Very strong$230.3M19.7%0.45%vs
MassMutual Private Wealth & Trust, FSBBank Springfield, MA93 out of 100, Very strong$93.7M32.2%0.00%vs
Webster First Federal Credit UnionCredit union Worcester, MA87 out of 100, Very strong$1.5B19.7%0.41%vs
Liberty BankBank Middletown, CT79 out of 100, Strong$9.4B13.4%0.32%vs
Polish National Credit UnionCredit union Chicopee, MA76 out of 100, Strong$776.9M13.6%0.17%vs