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Monson Savings Bank
Monson, MA · FDIC Certificate #90245 · Chartered 03/2
Total assets
$806.33M
Total deposits
$721.86M
Total equity
$75.68M
Net loans
$633.70M
Branches (offices)
5
Net income (YTD)
$3.92M
Rank: #1,248 of 4,213 U.S. banks by assets · #56 of 89 in Massachusetts. Assets changed 7.7% and deposits 6.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 10.68% |
| Net interest margin (YTD) | 3.49% |
| Equity to assets | 9.39% |
| Tier 1 leverage ratio | 9.55% |
| Uninsured deposits (share of deposits) | 31.5% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 87.8% |
| Real estate loans (share of loans) | 94.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $595.37M | 94.0% | |
| Commercial & industrial | $39.03M | 6.2% | |
| Consumer / individual | $1.44M | 0.2% | |
| Construction & development | $44.85M | 7.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $630.21M | $573.12M | $2.44M | $48.96M |
| Jun 2023 | $652.00M | $587.80M | $3.02M | $55.91M |
| Jun 2024 | $714.67M | $644.46M | $2.53M | $61.78M |
| Jun 2025 | $748.99M | $675.49M | $2.92M | $66.40M |
| Jun 2026 | $806.33M | $721.86M | $3.92M | $75.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $721.86M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $721.86M.
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Maverick Bank ($809.14M) · Cnb Bank, Inc. ($805.67M)
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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