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The Savings Bank

$100M-$1B Specialty: Mortgage MA FDIC cert 90291

Wakefield, MA

9 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
  • Deposits +5.2% year over year ($766.6M on the books).
  • Delinquency rate 0.18%.
  • Return on assets 0.44%.
  • Efficiency ratio 94.41% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MA
View $100M-$1B leaderboard (MA) →

The Savings Bank has 1 strength but faces 5 concerns

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

  • + Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 41.9% in tier
  • - NIB Deposit Bleed: Bottom 45.1% in tier
  • - Net Interest Margin 1.35% below tier average
  • - Efficiency Ratio 29.93% above tier average
  • - ROA 0.88% below tier average
Get updates when The Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $891.0M
+6.5% YoY +3.1% QoQ
+$504.4M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
Top 4.2% in tier
Total Loans ? $640.7M
+6.6% YoY +4.7% QoQ
+$382.4M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
Top 4.4% in tier
Total Deposits ? $766.6M
+5.2% YoY +1.2% QoQ
+$439.9M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
Top 3.6% in tier
Return on Assets ? 0.44%
+253.9% QoQ
-0.88% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 10.7% in tier
Net Interest Margin ? 2.64%
+2.6% YoY +1.5% QoQ
-1.35% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 4.1% in tier
Efficiency Ratio ? 94.41%
+0.9% YoY -1.9% QoQ
+29.93% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 3.3% in tier
Delinquency Rate ? 0.18%
-90.3% YoY -21.2% QoQ
-0.74% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 83.58%
+1.3% YoY +3.4% QoQ
+5.63% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 16.60%
-17.1% YoY -2.9% QoQ
-5.43% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 0.88%
-32.6% YoY -5.9% QoQ
+0.21% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
23%
Tier 1 Capital Ratio ? 9.45%
-2.3% YoY -1.5% QoQ
-6.46% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
Bottom 4.4% in tier
Non-Interest Income / Assets ? 0.36%
+9.3% YoY +98.5% QoQ
-0.21% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
81%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 16.6%
-3.4pp YoY
-0.5pp QoQ
 -5.5pp 22.1% 16.2% 22.2% 30%
Brokered Deposits 4.4%
-3.8pp YoY
-1.3pp QoQ
 -3.4pp 7.9% 6.1% 8.5% 48%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 1.1%
0.0pp YoY
0.0pp QoQ
 -10.5pp 11.6% 6.5% 12.5% 4%
CRE 31.7%
+1.6pp YoY
+1.9pp QoQ
 -7.9pp 39.5% 40.3% 41.4% 37%
1-4 Family 68.0%
-2.2pp YoY
-1.8pp QoQ
 +35.3pp 32.6% 52.4% 31.3% 93%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 1.6% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.6% 19.7% n/a
Leverage Ratio 9.4%
-0.2pp YoY
-0.1pp QoQ
 -2.7pp 12.2% 11.5% 12.6% 20%
Total Capital Ratio n/a n/a 19.9% 17.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 109
+3 (+2.8%) YoY
+8 (+7.9%) QoQ
 +50 58 755 482 89%
Assets per Employee ($) $8.2M
+3.6% YoY
-4.4% QoQ
 +$656K $7.5M $10.7M $8.8M 70%
Branch Count 9
0 YoY
0 QoQ
 +4 4 13 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.2%
-1.6pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 28%
Allowance Coverage 4.34x
+507.2% YoY
+26.3% QoQ
 -19.82x 24.15x 7.95x 20.23x 67%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 33%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 4.7%
+4.8pp YoY
+3.4pp QoQ
 -7.5pp 12.2% 5.6% 11.6% 13%
Cost of Funds (YTD) 2.1%
0.0pp YoY
0.0pp QoQ
 +0.4pp 1.7% 2.0% 1.7% 76%
Net Income ($, YTD) $1.9M
+3590.9% YoY
— QoQ
 -$635K $2.6M $31.7M $40.4M 50%

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 (2)

Capital Thin

risk
#278 of 661 • Bottom 41.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.45%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

NIB Deposit Bleed

decline
#74 of 162 • Bottom 45.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 16.60%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

97
Total Deposits
size
Value: $766.59M
Peer Median: $326.73M
#97 of 2643 Top 3.6% in $100M-$1B
113
Total Assets
size
Value: $891.00M
Peer Median: $386.57M
#113 of 2643 Top 4.2% in $100M-$1B
118
Total Loans
size
Value: $640.72M
Peer Median: $258.35M
#118 of 2643 Top 4.4% in $100M-$1B
513
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#513 of 2643 Top 19.4% in $100M-$1B

Top Weaknesses (5 metrics)

2556
Efficiency Ratio
profitability
Value: 94.41%
Peer Median: 64.48%
#2556 of 2643 Bottom 3.3% in $100M-$1B
2535
Net Interest Margin
profitability
Value: 2.64%
Peer Median: 3.99%
#2535 of 2643 Bottom 4.1% in $100M-$1B
2527
Tier 1 Capital Ratio
capital
Value: 9.45%
Peer Median: 15.91%
#2527 of 2643 Bottom 4.4% in $100M-$1B
2362
Return on Assets
profitability
Value: 0.44%
Peer Median: 1.32%
#2362 of 2643 Bottom 10.7% in $100M-$1B
2027
Nonperforming Asset Ratio
credit_quality
Value: 0.88%
Peer Median: 0.67%
#2027 of 2643 Bottom 23.3% in $100M-$1B
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