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

Monson Savings Bank

Monson, Massachusetts · $806M in assets · beside the 11 other Massachusetts banks between $300M and $1B

The filing

0.95%
ROA
2nd of 12
66.4%
Efficiency
3rd of 12
+7.3%
Loans, year over year
3rd of 12, largest first

Monson Savings Bank is the seventh largest of the 12 Massachusetts banks nearest its size between $300M and $1B, with $806M in assets at 30 June 2026. Loans are 88.4% of deposits, 5th of 12 against a median of 89.5%, and equity is 9.4% of assets, 7th of 12. Loans grew +7.3% in the year, 3rd of 12, and deposits grew 6.9%; the cohort's median loan growth is +5.4%.

Noncurrent loans are 0.23% of the book, 6th of 12 against a median of 0.28%; 0.20% is 30 to 89 days past due, and the allowance covers them 2.9 times. Commercial real estate is 36.1% of loans, 6th of 12 against a median of 39.0%, and 292% of capital, below the 300% screen, with construction at 57% against the 100% screen.

Return on assets is 0.95%, 2nd of 12 against a median of 0.50%, on an efficiency ratio of 66.4%, 3rd of 12. Five years ago it was 1.03%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsMA banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 0.50% MC Mechanics Coop Bank 1.24% MS Monson Savings Bank 0.95% SC Savers Coop Bank 0.67% WC Winchester Coop Bank 0.61% GC Greenfield Coop Bank 0.56% Bo Bank of Canton 0.50% SA Stonehambank A Coop Bank 0.49% SB Savings Bank 0.43% CS Clinton Savings Bank 0.35% EB Eagle Bank 0.34% MF Middlesex Federal Savings Fa 0.14% RB Rollstone Bank & Trust 0.07%
Loans, year over yearMA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.4% EB Eagle Bank +14.6% GC Greenfield Coop Bank +7.9% MS Monson Savings Bank +7.3% MC Mechanics Coop Bank +7.0% WC Winchester Coop Bank +6.8% SB Savings Bank +6.0% SA Stonehambank A Coop Bank +4.8% Bo Bank of Canton +2.6% MF Middlesex Federal Savings Fa +0.0% SC Savers Coop Bank -0.5% CS Clinton Savings Bank -2.5% RB Rollstone Bank & Trust -12.9%

SBA 7(a), FY2008 to FY2026

Monson Savings Bank is the 92nd largest 7(a) lender into Massachusetts of 309, with $10M across 126 loans, 0.1% of everything approved in the state (Eastern Bank leads with $778M). 7 of its 8 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
Hampden, MA$7M9th of 832.7%thin
Hampshire, MA$2M15th of 552.4%quiet FY2017
Hartford, CT$1M67th of 1010.2%quiet FY2015
Worcester, MA$185K120th of 1400.0%quiet FY2015
Barnstable, MA$150K68th of 840.1%quiet FY2012
Tolland, CT$120K31st of 350.2%quiet FY2014
Litchfield, CT$100K47th of 500.1%quiet FY2012
Essex, MA$95K123rd of 1290.0%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
Retail trade16$2M19.2%0.00%1145th of 2,589
Administrative & waste services25$2M14.2%0.01%640th of 1,763
Other services23$1M9.9%0.00%1141st of 2,248
Professional & technical services8$1M9.3%0.00%994th of 1,955
Health care & social assistance10$941K8.6%0.00%1206th of 2,172
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Monson Savings Bank
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans MS Monson Savings Bank 0.1% $10M · 126 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 7 CBLR filers, Monson Savings Bank among them; owner-occupied excluded; bold marks a screen met
Monson Savings BankRankCohort median
Total CRE against capital, the 300% screen292%7th of 12279%
Construction against capital, the 100% screen57%8th of 1255%
Construction and land development, share of loans7.0%5th of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans15.5%5th of 1216.2%
Total CRE, the guidance definition, share of loans36.1%6th of 1239.0%
CRE growth over 36 months, the third prong+23.0%9th of 12+17.8%

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
Winchester Coop Bank$947M0.6%66.1%0.43%0.00%0.4%89.9%11.6%
Stonehambank A Coop Bank$918M0.5%75.7%0.32%0.00%1.0%93.0%7.7%
Greenfield Coop Bank$902M0.6%76.8%0.72%0.00%1.0%69.7%10.9%
Mechanics Coop Bank$899M1.2%61.5%0.03%0.00%0.9%109.8%13.2%
Savings Bank$891M0.4%94.4%0.17%0.00%0.8%84.2%9.4%
Rollstone Bank & Trust$816M0.1%99.1%0.20%0.00%0.9%85.4%8.6%
Monson Savings Bank$806M0.9%66.4%0.23%0.01%0.7%88.4%9.4%
Savers Coop Bank$783M0.7%70.9%3.64%0.04%1.4%108.9%10.4%
Bank of Canton$783M0.5%73.9%0.90%-0.01%1.3%81.4%14.6%
Clinton Savings Bank$745M0.3%93.2%0.50%0.66%1.2%89.1%8.0%
Eagle Bank$709M0.3%84.1%0.04%0.00%0.9%95.0%9.9%
Middlesex Federal Savings Fa$654M0.1%93.1%0.04%0.00%1.2%92.5%8.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Monson Savings BankCohort median
20212026Change20212026Change
Loans$418M$638M+53%$473M$600M+27%
Deposits$499M$722M+45%$580M$678M+17%
NPA / loans0.08%0.23%+0.15 pts0.38%0.28%-0.11 pts
Efficiency63.3%66.4%+3.2 pts75.1%76.2%+1.2 pts
ROA1.03%0.95%-0.08 pts0.66%0.50%-0.16 pts

This read was prepared for Monson Savings Bank'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 Monson Savings Bank 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 7 September 2026
Filing 30 June 2026
Cohort MA banks $300M to $1B
Institution www.monsonsavings.bank

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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