Total Assets
$572M
Total balance-sheet footings
FDIC Cert #90311 · Worcester, Massachusetts · Est. 1895
Bay State Savings Bank - FDIC Bank Health Profile
A community-scale look at Bay State Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $572M
- Total assets
- C
- Health grade · Fair
- 0.37%
- Return on assets
- 11.3%
- Tier 1 capital
Data updated July 2026
The verdict
Bay State Savings Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 11.34% Tier 1, 0.37% ROA, 87% efficiency ratio.
- #1,628
- largest of 4,313 FDIC banks by assets
- 62nd
- percentile by asset size, nationally
- 11.34%
- Tier 1 ratio - above the 10% well-capitalized line
- 12th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bay State Savings Bank's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bay State Savings Bank's composite health score
Tier 1 Capital Ratio (11.34%) 28/40
Return on Assets (ROA) (0.37%) 7/25
Texas Ratio (3.25%) 20/20
Efficiency Ratio (86.87%) 0/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$510M
Customer-funded liabilities
Net Loans
$466M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bay State Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bay State Savings Bank's score of 55/100 falls in the highlighted band.
Bay State Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bay State Savings Bank's $572M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.34% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.34%
Texas Ratio
3.25%
Equity Capital
$51M
Profitability metrics
Return on Assets (ROA)
12th percentile nationally
0.37%
Return on Equity (ROE)
4.23%
Efficiency Ratio
86.87%
What the numbers say about Bay State Savings Bank
Bay State Savings Bank is an FDIC-insured institution (Certificate #90311) headquartered in Worcester, Massachusetts, established in 1895. It holds $572M in total assets - 1,628th of 4,313 FDIC-insured banks, $510M in customer deposits, and $466M in net loans. Capital-wise, the Tier 1 ratio sits at 11.34%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.25%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (55 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bay State Savings Bank sits 68th of 91 banks headquartered in Massachusetts by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$26M
Interest Income
$2M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bay State Savings Bank reports a Texas Ratio of 3.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Massachusetts by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bay State Savings Bank (FDIC Cert #90311) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| State Street Bank and Trust CompanyBoston | $360.7B | A | 0.83% |
| Eastern BankBoston | $30.6B | B | 0.39% |
| Rockland Trust CompanyRockland | $24.9B | A | 1.03% |
| Beacon Bank and TrustBrookline | $23.2B | B | 0.63% |
| Salem Five Cents Savings BankSalem | $8.5B | A | 0.89% |
| Cambridge Savings BankCambridge | $6.9B | B | 0.97% |
| Needham BankNeedham | $6.9B | B | 0.90% |
| Middlesex Savings BankNatick | $6.2B | B | 0.54% |
Frequently asked questions
What is Bay State Savings Bank's health grade?▼
Bay State Savings Bank receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bay State Savings Bank?▼
Bay State Savings Bank holds $572M in total assets and $510M in deposits, ranking 1,628th of 4,313 FDIC-insured banks by asset size. It is headquartered in Worcester, Massachusetts.
Is my money safe at Bay State Savings Bank?▼
Yes, deposits at Bay State Savings Bank (Certificate #90311) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bay State Savings Bank's Tier 1 Capital Ratio?▼
Bay State Savings Bank has a Tier 1 Capital Ratio of 11.34%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bay State Savings Bank?▼
Bay State Savings Bank has a Texas Ratio of 3.25%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bay State Savings Bank?▼
Bay State Savings Bank has an Efficiency Ratio of 86.87%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bay State Savings Bank's profile as a depositor or analyst.
- Bay State Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bay State Savings Bank against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.