Savers Co-operative Bank
Southbridge, Massachusetts · $783M in assets · beside the 11 other Massachusetts banks between $300M and $1B
The filing
Savers Co-operative Bank reports noncurrent loans at 3.64% of the book, the highest of the twelve Massachusetts banks between $300M and $1B against a median of 0.21%, up from 1.34% a year ago. The allowance covers them 0.4 times, also last, where the median is 3.7.
Loans stand at 109% of deposits, tenth of twelve, and fell 0.5% over the year. Commercial real estate is 48.8% of the book, tenth against 42.5%. Early delinquency is quiet: 0.09% of the book is 30 to 89 days past due, fifth best in the group.
Return on assets is 0.67%, fourth, on an efficiency ratio of 70.9%, also fourth, and equity is 10.4% of assets. Earnings and capital ahead of the cohort with credit well behind it is exactly the case for a capital path under the 2008 to 2012 curves.
Commercial real estate against capital
| Savers Co-operative Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 329% | 9th of 12 | 293% |
| Construction against capital, the 100% screen | 55% | 6th of 12 | 56% |
| Construction and land development, share of loans | 8.2% | 8th of 12 | 7.2% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 31.4% | 11th of 12 | 19.7% |
| Total CRE, the guidance definition, share of loans | 48.8% | 10th of 12 | 42.5% |
| CRE growth over 36 months, the third prong | +20.0% | 8th of 12 | +18.1% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
 Stonehambank A Coop Bank | $918M | 0.5% | 75.7% | 0.32% | 0.00% | 1.0% | 93.0% | 7.7% |
 Greenfield Coop Bank | $902M | 0.6% | 76.8% | 0.72% | 0.00% | 1.0% | 69.7% | 10.9% |
 Mechanics Coop Bank | $899M | 1.2% | 61.5% | 0.03% | 0.00% | 0.9% | 109.8% | 13.2% |
 Savings Bank | $891M | 0.4% | 94.4% | 0.17% | 0.00% | 0.8% | 84.2% | 9.4% |
 Rollstone Bank & Trust | $816M | 0.1% | 99.1% | 0.20% | 0.00% | 0.9% | 85.4% | 8.6% |
 Monson Savings Bank | $806M | 0.9% | 66.4% | 0.23% | 0.01% | 0.7% | 88.4% | 9.4% |
 Savers Co-operative Bank | $783M | 0.7% | 70.9% | 3.64% | 0.04% | 1.4% | 108.9% | 10.4% |
 Bank of Canton | $783M | 0.5% | 73.9% | 0.90% | -0.01% | 1.3% | 81.4% | 14.6% |
 Clinton Savings Bank | $745M | 0.3% | 93.2% | 0.50% | 0.66% | 1.2% | 89.1% | 8.0% |
 Eagle Bank | $709M | 0.3% | 84.1% | 0.04% | 0.00% | 0.9% | 95.0% | 9.9% |
 Middlesex Federal Savings Fa | $654M | 0.1% | 93.1% | 0.04% | 0.00% | 1.2% | 92.5% | 8.7% |
 Walpole Coop Bank | $646M | 1.1% | 57.2% | 0.11% | 0.00% | 1.3% | 109.3% | 19.0% |
| Savers Co-operative Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $473M | $612M | +29% | $465M | $583M | +25% |
| Deposits | $517M | $562M | +9% | $548M | $669M | +22% |
| NPA / loans | 0.50% | 3.64% | +3.14 pts | 0.38% | 0.21% | -0.17 pts |
| Efficiency | 73.8% | 70.9% | -2.9 pts | 75.1% | 76.2% | +1.2 pts |
| ROA | 0.58% | 0.67% | +0.09 pts | 0.77% | 0.50% | -0.27 pts |
This read was prepared for Savers Co-operative 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 Savers Co-operative Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 6 September 2026
Filing 30 June 2026
Cohort MA banks $300M to $1B
Institution www.saversbank.com
← Back to the catalogue