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Country Bank for Savings

$1B-$10B Specialty: Commercial MA FDIC cert 23992

Designations: ✓ Community bank ✓ Mutual

Ware, MA

15 branches across MA

884 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Country Bank for Savings faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 18.72% above tier average
  • - ROA 0.69% below tier average
  • - Net Interest Margin 0.55% below tier average
  • - Efficiency Ratio 11.92% above tier average
  • - Delinquency Rate 0.29% above tier average
Get updates when Country Bank for Savings releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $2.2B
+7.1% YoY +0.9% QoQ
-$594.5M $2.8B
-0.1% YoY
$6.8B
+9.3% YoY
$6.2B
+9.1% YoY
56%
Total Loans ? $1.7B
+9.2% YoY +1.4% QoQ
-$234.0M $2.0B
+0.6% YoY
$2.4B
+16.6% YoY
$3.2B
+10.8% YoY
61%
Total Deposits ? $1.7B
+10.9% YoY +0.8% QoQ
-$661.7M $2.3B
-0.3% YoY
$5.3B
+11.5% YoY
$4.8B
+8.2% YoY
50%
Return on Assets ? 0.68%
+52.2% YoY +12.6% QoQ
-0.69% 1.37%
+19.6% YoY
0.49%
+59.0% YoY
1.23%
+13.4% YoY
15%
Net Interest Margin ? 3.27%
+8.3% YoY +2.3% QoQ
-0.55% 3.82%
+6.9% YoY
3.03%
+10.0% YoY
3.89%
+5.7% YoY
27%
Efficiency Ratio ? 72.98%
-11.4% YoY -1.5% QoQ
+11.92% 61.06%
-4.6% YoY
80.02%
-2.5% YoY
66.95%
-4.1% YoY
18%
Delinquency Rate ? 1.18%
-9.9% YoY -1.2% QoQ
+0.29% 0.89%
+14.1% YoY
0.73%
+28.2% YoY
0.95%
+18.8% YoY
22%
Loan-to-Deposit Ratio ? 102.93%
-1.5% YoY +0.5% QoQ
+18.72% 84.20%
+0.3% YoY
92.37%
-0.3% YoY
76.70%
+0.9% YoY
Bottom 8.9% in tier
Non-Interest-Bearing Deposit Share ? 21.59%
-5.0% YoY -0.9% QoQ
+0.30% 21.29%
-2.5% YoY
15.85%
-3.7% YoY
22.01%
-1.2% YoY
59%
Nonperforming Asset Ratio ? 0.92%
-8.1% YoY -0.9% QoQ
+0.25% 0.67%
+15.6% YoY
0.58%
+29.6% YoY
0.67%
+19.3% YoY
23%
Tier 1 Capital Ratio ? 14.83%
-4.9% YoY +0.4% QoQ
-0.33% 15.16%
+2.0% YoY
14.58%
+1.9% YoY
17.06%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.10%
+31.9% YoY -70.3% QoQ
-0.15% 0.26%
+1.6% YoY
0.11%
+1.3% YoY
0.32%
+4.1% YoY
34%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

806
Loan-to-Deposit Ratio
liquidity
Value: 102.93%
Peer Median: 84.20%
#806 of 884 Bottom 8.9% in $1B-$10B
748
Return on Assets
profitability
Value: 0.68%
Peer Median: 1.37%
#748 of 884 Bottom 15.5% in $1B-$10B
724
Efficiency Ratio
profitability
Value: 72.98%
Peer Median: 61.06%
#724 of 884 Bottom 18.2% in $1B-$10B
688
Delinquency Rate
credit_quality
Value: 1.18%
Peer Median: 0.89%
#688 of 880 Bottom 21.9% in $1B-$10B
680
Nonperforming Asset Ratio
credit_quality
Value: 0.92%
Peer Median: 0.67%
#680 of 884 Bottom 23.2% in $1B-$10B
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