Total Assets
$792M
Total balance-sheet footings
FDIC Cert #26455 · Southbridge, Massachusetts · Est. 1910
Savers Co-operative Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $792M
- Total assets
- D
- Health grade · Weak
- 0.29%
- Return on assets
- 11.0%
- Tier 1 capital
Data updated July 2026
The verdict
Savers Co-operative Bank earns a PlainBankData health grade of D (49/100), with well-capitalized at 11.04% Tier 1, 0.29% ROA, 73% efficiency ratio.
- #1,272
- largest of 4,313 FDIC banks by assets
- 71st
- percentile by asset size, nationally
- 11.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 10th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Savers Co-operative Bank's 49/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Savers Co-operative Bank's composite health score
Tier 1 Capital Ratio (11.04%) 28/40
Return on Assets (ROA) (0.29%) 7/25
Texas Ratio (17.62%) 10/20
Efficiency Ratio (72.83%) 4/15
49 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$555M
Customer-funded liabilities
Net Loans
$610M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Savers Co-operative Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Savers Co-operative Bank's score of 49/100 falls in the highlighted band.
Savers Co-operative 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). Savers Co-operative Bank's $792M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.04%
Texas Ratio
17.62%
Equity Capital
$80M
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.29%
Return on Equity (ROE)
2.95%
Efficiency Ratio
72.83%
What the numbers say about Savers Co-operative Bank
Savers Co-operative Bank is an FDIC-insured institution (Certificate #26455) headquartered in Southbridge, Massachusetts, established in 1910. It holds $792M in total assets - 1,272nd of 4,313 FDIC-insured banks, $555M in customer deposits, and $610M in net loans. Its capital position: a Tier 1 ratio of 11.04%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 17.62% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (49 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Savers Co-operative Bank sits 58th of 91 banks headquartered in Massachusetts by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$37M
Interest Income
$3M
Non-Interest Income
$18M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Savers Co-operative Bank reports a Texas Ratio of 17.62% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
17.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Savers Co-operative Bank
Savers Co-operative Bank's grade of D reflects specific pressure points in the FDIC Call Report.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Savers Co-operative Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Massachusetts by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Savers Co-operative Bank (FDIC Cert #26455) - 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 Savers Co-operative Bank's health grade?▼
Savers Co-operative Bank receives a health grade of D (49/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Savers Co-operative Bank?▼
Savers Co-operative Bank holds $792M in total assets and $555M in deposits, ranking 1,272nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Southbridge, Massachusetts.
Is my money safe at Savers Co-operative Bank?▼
Yes, deposits at Savers Co-operative Bank (Certificate #26455) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Savers Co-operative Bank's Tier 1 Capital Ratio?▼
Savers Co-operative Bank has a Tier 1 Capital Ratio of 11.04%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Savers Co-operative Bank?▼
Savers Co-operative Bank has a Texas Ratio of 17.62%. 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 Savers Co-operative Bank?▼
Savers Co-operative Bank has an Efficiency Ratio of 72.83%. 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 Savers Co-operative Bank's profile as a depositor or analyst.
- Savers Co-operative Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Savers Co-operative 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.