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.

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 66).

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

Yes. Monson Savings Bank is an FDIC-insured institution (FDIC certificate #90245). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.5% of deposits ($227.5M) 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 9.55%, 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

Monson Savings Bank lists 5 offices in 5 cities. Most locations:

• East Longmeadow, MA (1)
• Hampden, MA (1)
• Monson, MA (1)
• Ware, MA (1)
• Wilbraham, MA (1)

All branch addresses and map

In 2025, Monson Savings Bank reported 267 home-loan applications under HMDA (LEI 5493007H0KZ81N1H6352): 216 originated ($83,210,000 total), 14 denied, and 31 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.9%, 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.

Legal name

Monson Savings Bank

Type

SI

FDIC certificate #

90245

RSSD ID

951102

Primary regulator

FDIC

Holding company

Monson Financial Services Mhc

Established

March 27, 1872

Headquarters

146 Main St, Monson, MA 01057

Website

www.monsonsavings.bank

Employees

100