🏦Bank Scorer

BAY STATE SAVINGS BANK

WORCESTER, MA · Supervised by FDIC

Est. 1895FDIC #90,311RSSD: FDIC-90311
Part of1895 MHC→ View all charters
Satisfactory Same

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.40%

Institution Profile

FDIC BankFind

Address

28 Franklin St, WORCESTER, MA

County

Worcester County

Established

March 9, 1895

Total Assets

$585M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$585M

Total Deposits

$524M

Net Loans

$468M

Net Income

$583K

ROA

0.40%

ROE

4.56%

Risk-Based Capital

12.37%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate19.33%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$494M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411956.3%19.33%
202315061.33%22.67%
202225159.76%15.14%
202134363.27%15.74%
202040355.09%16.38%
201929758.25%14.81%
201829957.86%22.41%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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