COUNTRY BANK FOR SAVINGS

WARE, MA · Supervised by FDIC

Est. 1850FDIC #23,992RSSD: FDIC-23992

Satisfactory Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.68%

Institution Profile

FDIC BankFind

Website

www.countrybank.com

Address

155 West St, WARE, MA

County

Hampshire County

Established

July 1, 1850

Total Assets

$2.2B(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

February 1, 2026

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.2B

Total Deposits

$1.7B

Net Loans

$1.7B

Net Income

$4M

ROA

0.68%

Below avg for Community banks. Peer avg: 0.90%

ROE

4.80%

Risk-Based Capital

0.00%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA0.68%Peer avg: 0.90%▼ Below avg

Risk-Based Capital0.00%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate15.15%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.5B

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	713	69.71%	15.15%
2023	679	71.28%	13.70%
2022	881	74.46%	9.65%
2021	530	70%	7.17%
2020	731	65.53%	4.10%
2019	460	76.96%	3.48%
2018	414	76.81%	4.83%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 2026	Satisfactory	Large Bank
Jan 2023	Satisfactory	Large Bank
Aug 2019	Satisfactory	Large Bank

9 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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