Total Assets
$754M
Total balance-sheet footings
FDIC Cert #90245 · Monson, Massachusetts · Est. 1872
Monson Savings Bank - FDIC Bank Health Profile
A community-scale look at Monson Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $754M
- Total assets
- C
- Health grade · Fair
- 0.85%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
Monson Savings Bank earns a PlainBankData health grade of C (60/100), with 9.93% Tier 1 capital, 0.85% ROA, 68% efficiency ratio.
- #1,316
- largest of 4,313 FDIC banks by assets
- 70th
- percentile by asset size, nationally
- 9.93%
- Tier 1 ratio - below the 10% well-capitalized line
- 33rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Monson Savings Bank's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Monson Savings Bank's composite health score
Tier 1 Capital Ratio (9.93%) 18/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (0.64%) 20/20
Efficiency Ratio (67.86%) 8/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$652M
Customer-funded liabilities
Net Loans
$623M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Monson Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Monson Savings Bank's score of 60/100 falls in the highlighted band.
Monson 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). Monson Savings Bank's $754M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.93% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.93%
Texas Ratio
0.64%
Equity Capital
$72M
Profitability metrics
Return on Assets (ROA)
33rd percentile nationally
0.85%
Return on Equity (ROE)
9.39%
Efficiency Ratio
67.86%
What the numbers say about Monson Savings Bank
Monson Savings Bank is an FDIC-insured institution (Certificate #90245) headquartered in Monson, Massachusetts, established in 1872. It holds $754M in total assets - 1,316th of 4,313 FDIC-insured banks, $652M in customer deposits, and $623M in net loans. Capital-wise, the Tier 1 ratio sits at 9.93%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 0.64%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Monson Savings Bank sits 61st of 91 banks headquartered in Massachusetts by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$36M
Interest Income
$4M
Non-Interest Income
$19M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Monson Savings Bank reports a Texas Ratio of 0.64% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.64% - 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) Monson Savings Bank (FDIC Cert #90245) - 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 Monson Savings Bank's health grade?▼
Monson Savings Bank receives a health grade of C (60/100) 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 Monson Savings Bank?▼
Monson Savings Bank holds $754M in total assets and $652M in deposits, ranking 1,316th of 4,313 FDIC-insured banks by asset size. It is headquartered in Monson, Massachusetts.
Is my money safe at Monson Savings Bank?▼
Yes, deposits at Monson Savings Bank (Certificate #90245) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Monson Savings Bank's Tier 1 Capital Ratio?▼
Monson Savings Bank has a Tier 1 Capital Ratio of 9.93%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Monson Savings Bank?▼
Monson Savings Bank has a Texas Ratio of 0.64%. 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 Monson Savings Bank?▼
Monson Savings Bank has an Efficiency Ratio of 67.86%. 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 Monson Savings Bank's profile as a depositor or analyst.
- Monson Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Monson 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.