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 Bay State Savings Bank
Bay State Savings Bank
| RSSD ID 963002 | CERTIFICATE 90311 | ABA NUMBER 211371023 |
| 28 Franklin St |
Quarter Ended : |
2025-12-31 |
| Worcester, Massachusetts, 1608 |
Updated : |
2026-01-27 |
| baystatesavingsbank.com |
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| Institution Profile |
| Year Opened : |
1895 |
Institution Type : |
Stock and Mutual Savings bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
7 |
Number of Employees : |
76 |
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| Related Company Filings |
Regulator |
 1895 MHC |
FED |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 571,932 |
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Total Interest Income | 25,905 |
| Total Liabilities | 520,926 |
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Total NonInterest Income | 1,704 |
| Total Bank Equity Capital | 51,006 |
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Total Interest Expense | 10,180 |
| Total Deposits | 510,452 |
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Total NonInterest Expense | 15,141 |
| Net Loans & Leases | 465,510 |
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Net Income | 2,095 |
| Loan Loss Allowance | 4,335 |
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Net Charge Offs | (87) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 53,568 |
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Total loans | 465,181 |
| Total assets for the leverage ratio | 567,520 |
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Loans secured by real estate: | 437,795 |
| Tier 1 Leverage Ratio | 8.62 |
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Commercial and industrial loans | 20,577 |
| Tier 1 Capital Ratio | 11.34 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.41 |
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Loans to individuals - Other | 6,809 |
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:· Bay State Savings Bank
