| Weiss Ratings |
Bay State Savings Bank
Worcester, MA |
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| Rating | ||||
| Asset Quality Index | 6.60 | |||
| Capitalization Index | 6.80 | |||
| Liquidity Index | 0.50 | |||
| Profitability Index | 3.10 | |||
| Stability Index | 5.90 | |||
| Company Info |
Bay State Savings Bank
Worcester, MA |
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| FDIC Number | 90311 | |||
| Phone Number | (508) 890-9000 | |||
| Website | www.baystatesavingsbank.com | |||
| Asset Quality |
Bay State Savings Bank
Worcester, MA |
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| 1-Year Asset Growth | 4.86% | |||
| 5-Year Asset Growth | 4.38% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.39% | |||
| Non-Performing Loans to Capital | 4.17% | |||
| Non-Performing Loans to Loans | 0.47% | |||
| Balance Sheet |
Bay State Savings Bank
Worcester, MA |
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| Total Assets | 580.27M | |||
| Total Deposits | 513.71M | |||
| Capital and Reserves |
Bay State Savings Bank
Worcester, MA |
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| Capital | 52.11M | |||
| Leverage Ratio | 8.82 | |||
| Loan Loss Reserves to Loans | 0.88% | |||
| Risk-Based Capital Ratio | 12.26 | |||
| Liquidity |
Bay State Savings Bank
Worcester, MA |
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| Hot Money Ratio | 23.69% | |||
| Liquidity Ratio | 12.18% | |||
| Profitability |
Bay State Savings Bank
Worcester, MA |
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| 5-Year Return on Average Assets | 0.37% | |||
| Net Income | 1.48M | |||
| Net Interest Spread | 3.37% | |||
| Operating Profit to Average Assets | 0.69% | |||
| Overhead Efficiency Ratio | 81.59% | |||
| Return on Assets | 0.52% | |||
| Return on Equity | 5.77% | |||