🏦Bank Scorer

MONSON SAVINGS BANK

MONSON, MA · Supervised by FDIC

Est. 1872FDIC #90,245RSSD: FDIC-90245
Part ofMONSON FINANCIAL SERVICES MHC→ View all charters
Satisfactory Same

Current rating · Exam: December 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.93%

Institution Profile

FDIC BankFind

Address

146 Main St, MONSON, MA

County

Hampden County

Established

March 27, 1872

Total Assets

$814M(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

December 1, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$814M

Total Deposits

$733M

Net Loans

$633M

Net Income

$2M

ROA

0.93%

ROE

10.14%

Risk-Based Capital

0.00%

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 Rate6.38%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$675M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202418876.06%6.38%
202319080%5.26%
202238677.72%5.96%
202155675%7.01%
202058572.31%7.35%
201938678.76%6.74%
201833474.85%8.38%

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

8 previous ratings locked — dating 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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