TellerScore

Headquartered in North Brookfield, Massachusetts, North Brookfield Savings Bank is a state-chartered bank (fed member) with $448.7M in total assets and $383.2M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1854.

Based on its Q2 2026 filing, North Brookfield Savings Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 22nd. Its strongest component is problem-loan coverage (96/100; 2.0%), and its lowest is earnings (42/100; 0.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.92%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.29%
Earnings42/100
Return on assets (annualized): 0.56%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 76.0% · 12.7% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.02%

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 (70 → 71).

TellerScore
656871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202465
Q4 202467
Q1 202569
Q2 202570
Q3 202570
Q4 202571
Q1 202670
Q2 202671
Tier 1 leverage ratio
5.00%7.96%10.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.80%
Q3 202410.83%
Q4 202410.72%
Q1 202510.79%
Q2 202510.64%
Q3 202510.65%
Q4 202510.73%
Q1 202610.84%
Q2 202610.92%
Noncurrent loans
0.14%0.39%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.25%
Q3 20240.63%
Q4 20240.41%
Q1 20250.31%
Q2 20250.18%
Q3 20250.14%
Q4 20250.15%
Q1 20260.22%
Q2 20260.29%
Return on assets
0.22%0.39%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.22%
Q3 20240.23%
Q4 20240.29%
Q1 20250.32%
Q2 20250.40%
Q3 20250.42%
Q4 20250.47%
Q1 20260.49%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$448.7M10.92%0.29%0.56%76.0%
Q1 202670$439.9M10.84%0.22%0.49%78.0%
Q4 202571$442.1M10.73%0.15%0.47%79.2%
Q3 202570$438.1M10.65%0.14%0.42%80.0%
Q2 202570$432.7M10.64%0.18%0.40%76.4%
Q1 202569$428.8M10.79%0.31%0.32%75.4%
Q4 202467$418.9M10.72%0.41%0.29%75.5%
Q3 202465$414.9M10.83%0.63%0.23%77.3%
Q2 202468$410.4M10.80%0.25%0.22%77.1%

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 ratio10.92%
49th
Total risk-based capital0.00%
24th
Problem loans0.29%
57th
Net charge-offs0.02%
42nd
Return on assets0.56%
14th
Net interest margin2.96%
9th
Efficiency ratio78.4%
16th
Loans to deposits76.0%
58th
Uninsured deposits12.7%
88th
Loan-loss reserves0.66%
7th
Texas ratio2.0%
58th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
The Pittsfield Co-operative BankBank Pittsfield, MA69 out of 100, Moderate$451.5M13.4%0.36%vs
The National Grand Bank of MarbleheadBank Marblehead, MA68 out of 100, Moderate$444.8M10.3%0.05%vs
Seamen's BankBank Provincetown, MA70 out of 100, Strong$478.5M12.6%0.76%vs
Winter Hill Bank, FSBBank Somerville, MA63 out of 100, Moderate$407.9M10.0%0.00%vs
Dean Co-operative BankBank Franklin, MA61 out of 100, Moderate$494.3M8.3%0.13%vs
BankGloucesterBank Gloucester, MA30 out of 100, Low$386.9M8.7%2.98%vs

Deposit insurance

Is my money safe at North Brookfield Savings Bank?

Yes. North Brookfield Savings Bank is an FDIC-insured institution (FDIC certificate #90258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.7% of deposits ($48.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.92%, 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

7 locations

Branches

North Brookfield Savings Bank lists 6 offices in 6 cities. Most locations:

  • Belchertown, MA (1)
  • East Brookfield, MA (1)
  • North Brookfield, MA (1)
  • Three Rivers, MA (1)
  • Ware, MA (1)
  • West Brookfield, MA (1)

All branch addresses and map

Identity & history

Profile

Legal name
North Brookfield Savings Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
90258
RSSD ID
528102
Primary regulator
FED
Holding company
Trunorth Bcorp Mhc
Established
August 3, 1854
Headquarters
9 Gilbert St, North Brookfield, MA 01535
Employees
53

Quick answers

North Brookfield Savings Bank: common questions

Is North Brookfield Savings Bank FDIC insured?

Yes. North Brookfield Savings Bank is an FDIC-insured institution (FDIC certificate #90258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is North Brookfield Savings Bank'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 North Brookfield Savings Bank ever failed?

There is no failure record for FDIC certificate #90258 in the FDIC failed bank list.

How many branches does North Brookfield Savings Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near North Brookfield

InstitutionScoreAssetsCapitalProblem loansCompare
Stafford Savings BankBank Stafford Springs, CT95 out of 100, Very strong$507.0M50.6%0.56%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