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Savers Co-Operative Bank
Southbridge, MA · FDIC Certificate #26455 · Chartered 01/0
Total assets
$783.18M
Total deposits
$562.34M
Total equity
$81.44M
Net loans
$603.92M
Branches (offices)
7
Net income (YTD)
$2.69M
Rank: #1,274 of 4,213 U.S. banks by assets · #57 of 89 in Massachusetts. Assets changed -0.5% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 6.71% |
| Net interest margin (YTD) | 3.13% |
| Equity to assets | 10.40% |
| Tier 1 leverage ratio | 11.30% |
| Uninsured deposits (share of deposits) | 20.6% |
| Noncurrent loans (share of loans) | 3.64% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 107.4% |
| Real estate loans (share of loans) | 94.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $567.42M | 94.0% | |
| Commercial & industrial | $35.79M | 5.9% | |
| Consumer / individual | $8.94M | 1.5% | |
| Construction & development | $50.03M | 8.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $666.35M | $554.34M | $1.87M | $67.37M |
| Jun 2023 | $721.54M | $552.48M | $2.52M | $69.99M |
| Jun 2024 | $749.63M | $544.45M | $1.54M | $72.71M |
| Jun 2025 | $787.50M | $553.79M | $633.00K | $75.84M |
| Jun 2026 | $783.18M | $562.34M | $2.69M | $81.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $562.34M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $562.34M.
Similar-sized banks
Franklin Savings Bank ($786.86M) · The Bank Of Canton ($782.54M)
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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