FDIC Cert #90291 · Wakefield, Massachusetts · Est. 1869

The Savings 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.

Compiled from official public sources by the publisher.
$873M
Total assets
D
Health grade · Weak
0.17%
Return on assets
9.7%
Tier 1 capital

Data updated July 2026

The verdict

The Savings Bank earns a PlainBankData health grade of D (45/100), with 9.67% Tier 1 capital, 0.17% ROA, 93% efficiency ratio.

#1,180
largest of 4,313 FDIC banks by assets
73rd
percentile by asset size, nationally
9.67%
Tier 1 ratio - below the 10% well-capitalized line
7th
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.

FDIC Call Report plate

Cert 90291 · MA D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4184/4307
  • PHOTO-FINISH Eclipse Bank, Inc. · KY
  • TIER1-ADEQ 9.7% Tier 1
  • TEXAS-CLEAN 1.1% Texas
  • ROA-THIN 0.17% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Eclipse Bank, Inc., KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Savings Bank

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Eclipse Bank, Inc. · KY · ne…45/100First National Bank… · GA · …45/100First Secure Communi… · IL ·…45/100Preferred Bank · IL · near45/100The Savings Bank · MA · this…45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Savings Bank · July 2026

Plate reading for The Savings Bank where failures stay rare

The Savings Bank (FDIC Cert #90291) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,184 of 4,307. Tier 1 capital prints at 9.67%, missing the 10% well-capitalized line. The Texas Ratio is 1.07%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.17%. Balance-sheet scale is $873M, 1,180th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Eclipse Bank, Inc. (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Savings Bank

Only 1 FAILURE resolution in Massachusetts since 2000

The Savings Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How The Savings Bank's 45/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10045/100
The Savings Bank's composite health score
Tier 1 Capital Ratio (9.67%) 18/40
Return on Assets (ROA) (0.17%) 7/25
Texas Ratio (1.07%) 20/20
Efficiency Ratio (93.37%) 0/15

45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$873M

Total balance-sheet footings

Total Deposits

$766M

Customer-funded liabilities

Net Loans

$622M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.27% 9.67% 11.07%
Basel III capital ratios - The Savings Bank

Where The Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Savings Bank's score of 45/100 falls in the highlighted band.

The Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The 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). The Savings Bank's $873M falls in the highlighted band.

Safety metrics: The Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

9.67% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.67%
Texas Ratio
1.07%
Equity Capital
$82M

What these ratios mean →

Profitability metrics: The Savings Bank

Return on Assets (ROA)
7th percentile nationally
0.17%
Return on Equity (ROE)
1.76%
Efficiency Ratio
93.37%

What these mean →

Income & expense at The Savings Bank

$37M
Interest Income
$6M
Non-Interest Income
$24M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Savings Bank reports a Texas Ratio of 1.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at The Savings Bank

The Savings Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.67% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at The Savings 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.

FDIC Failed Bank List → View The Savings Bank on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($873M here), outside Massachusetts so the neighborhood is not state containment.

Mechanics Bank $873M · OH Farmers and Merchants Bank $872M · MD Nano Banc $875M · CA Windsor Federal Bank $875M · CT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Savings Bank (FDIC Cert #90291) - 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.

The Savings Bank Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
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%