1895 MHC is the bank holding company. BAY STATE SAVINGS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.
Combined Assets
$585M
CRA Rating Summary
Satisfactory1charter
Across all 11 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$585M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$524M
Net Income
$583K
ROA (avg)
0.4%
asset-weighted avg
Mortgage Lending (HMDA)
CFPB · 2024Lender rankings →
Aggregated HMDA data across all active charters for 2024.
Applications
119
Origination Rate
56.3%
Denial Rate
19.33%
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Current Rating | Exam Date |
|---|---|---|---|---|---|
| BAY STATE SAVINGS BANK | WORCESTER, MA | FDIC | $585M | Satisfactory | Oct 2023 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.