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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Country Bank for Savings

Ware, Massachusetts · $2.24B in assets · beside the 11 other Massachusetts banks between $1B and $3B

The filing

54.9%
CRE / loans
11th of 12
0.71%
30 to 89 days past due
12th of 12
+15.5%
Deposits, year over year
2nd of 12, largest first

Country Bank for Savings grew deposits 15.5% in the year to June 2026, second of the twelve Massachusetts banks between $1B and $3B, with loans up 4.6%. Equity is 14.2% of assets, the highest in the cohort.

Commercial real estate is 54.9% of the book, eleventh of twelve against a median of 34.7%, with construction at 9.3%. Noncurrent loans are 1.14%, ninth, with the allowance covering them 0.9 times; and 0.71% of the book is 30 to 89 days past due, the highest in the group against 0.11%.

Return on assets is 0.80%, third of twelve. Five years ago noncurrent loans were 2.37%, so the direction is right; the early-delinquency line says the pipeline is not empty.

Commercial real estate, share of loansMA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 34.7% Avidia Bank 22.1% North Easton Savings Bank 25.7% Fall River Five Cents Savings Bank 27.5% Village Bank 28.0% Cornerstone Bank 30.9% Florence Bank 31.4% Bankesb 38.0% Dedham Institution for Savings 38.7% Westfield Bank 39.9% South Shore Bank 44.4% Country Bank for Savings 54.9% Lowell Five Cent Savings Bank 58.1%
30 to 89 days past due, share of loansMA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.11% Dedham Institution for Savings 0.02% Bankesb 0.05% Village Bank 0.06% Cornerstone Bank 0.07% Florence Bank 0.07% Westfield Bank 0.09% Avidia Bank 0.12% North Easton Savings Bank 0.34% South Shore Bank 0.42% Fall River Five Cents Savings Bank 0.48% Lowell Five Cent Savings Bank 0.53% Country Bank for Savings 0.71%

SBA 7(a), FY2008 to FY2026

Country Bank for Savings is the 186th largest 7(a) lender into Massachusetts of 309, with $2M across 23 loans, 0.0% of everything approved in the state (Eastern Bank leads with $778M). 2 of its 4 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Worcester, MA$1M83rd of 1400.2%thin
Hampden, MA$780K50th of 830.3%thin
Hampshire, MA$350K41st of 550.4%quiet FY2017
Hartford, CT$72K100th of 1010.0%quiet FY2015
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services3$503K21.0%0.00%1909th of 2,596
Professional & technical services2$425K17.7%0.00%1330th of 1,955
Arts, entertainment & recreation2$350K14.6%0.00%1147th of 1,656
Manufacturing3$305K12.7%0.00%1856th of 2,246
Construction5$269K11.2%0.00%1687th of 2,063
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Country Bank for Savings
Eastern Bank 12.2% $778M · 8,606 loans Live Oak Banking Company 6.9% $442M · 354 loans Rockland Trust Company 6.7% $426M · 1,996 loans TD Bank, National Association 4.6% $295M · 2,208 loans Citizens Bank, National Associati… 4.1% $261M · 1,649 loans Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans Salem Five Cents Savings Bank 2.8% $179M · 667 loans Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans Country Bank for Savings 0.0% $2M · 23 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, Country Bank for Savings among them; owner-occupied excluded; bold marks a screen met
Country Bank for SavingsRankCohort median
Total CRE against capital, the 300% screen289%10th of 12256%
Construction against capital, the 100% screen49%9th of 1231%
Construction and land development, share of loans9.3%9th of 124.4%
Non-owner-occupied nonfarm nonresidential, share of loans34.4%12th of 1222.4%
Total CRE, the guidance definition, share of loans54.9%11th of 1234.7%
CRE growth over 36 months, the third prong+44.5%11th of 12+19.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Avidia Bank$2.77B1.0%65.3%0.75%-0.03%1.1%101.2%12.2%
Westfield Bank$2.73B0.7%68.2%0.35%0.17%0.9%91.3%9.3%
Dedham Institution for Savings$2.60B0.9%73.2%1.15%0.00%0.7%98.9%11.2%
Cornerstone Bank$2.57B0.6%83.5%0.35%0.04%0.4%99.8%8.8%
South Shore Bank$2.52B0.7%69.1%0.24%0.00%0.9%76.8%9.6%
Country Bank for Savings$2.24B0.8%70.0%1.14%0.00%1.0%101.6%14.2%
Village Bank$2.07B0.5%75.9%0.23%0.00%0.5%94.5%8.5%
Bankesb$2.02B0.5%69.6%1.67%0.08%1.2%91.2%9.7%
Florence Bank$2.01B0.7%68.3%0.46%0.01%0.7%71.5%10.7%
Lowell Five Cent Savings Bank$1.90B0.8%61.7%1.03%0.01%1.3%90.2%12.3%
Fall River Five Cents Savings Bank$1.86B0.4%83.5%0.73%-0.02%0.7%105.2%7.4%
North Easton Savings Bank$1.84B0.8%71.8%1.64%0.03%0.5%82.3%11.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Country Bank for SavingsCohort median
20212026Change20212026Change
Loans$1.15B$1.76B+53%$1.16B$1.70B+47%
Deposits$1.38B$1.73B+26%$1.43B$1.79B+25%
NPA / loans2.37%1.14%-1.22 pts0.34%0.74%+0.40 pts
Efficiency71.9%70.0%-1.9 pts67.2%69.8%+2.6 pts
ROA0.69%0.80%+0.11 pts0.83%0.72%-0.11 pts

This read was prepared for Country Bank for Savings's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Country Bank for Savings is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 6 September 2026
Filing 30 June 2026
Cohort MA banks $1B to $3B
Institution www.countrybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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