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Country Bank For Savings
Ware, MA · FDIC Certificate #23992 · Chartered 07/0
Total assets
$2.24B
Total deposits
$1.73B
Total equity
$318.20M
Net loans
$1.74B
Branches (offices)
16
Net income (YTD)
$9.00M
Rank: #558 of 4,213 U.S. banks by assets · #23 of 89 in Massachusetts. Assets changed 4.1% and deposits 15.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.81% |
| Return on equity | 5.73% |
| Net interest margin (YTD) | 3.39% |
| Equity to assets | 14.22% |
| Tier 1 leverage ratio | 14.84% |
| Uninsured deposits (share of deposits) | 27.4% |
| Noncurrent loans (share of loans) | 1.14% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 100.6% |
| Real estate loans (share of loans) | 98.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.72B | 98.8% | |
| Commercial & industrial | $26.90M | 1.5% | |
| Consumer / individual | $9.09M | 0.5% | |
| Construction & development | $162.92M | 9.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.74B | $1.42B | $5.77M | $255.34M |
| Jun 2023 | $1.81B | $1.33B | $6.24M | $264.72M |
| Jun 2024 | $1.93B | $1.45B | $4.43M | $281.67M |
| Jun 2025 | $2.15B | $1.50B | $4.92M | $299.64M |
| Jun 2026 | $2.24B | $1.73B | $9.00M | $318.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $1.73B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.73B.
Similar-sized banks
Mainstreet Bank ($2.24B) · Shinhan Bank America ($2.23B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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