| Weiss Ratings |
Bay State Savings Bank
Worcester, MA |
Click to Compare |
Click to Compare |
Click to Compare |
| Rating | ||||
| Asset Quality Index | 6.50 | |||
| Capitalization Index | 6.60 | |||
| Liquidity Index | 0.70 | |||
| Profitability Index | 2.20 | |||
| Stability Index | 6.20 | |||
| Company Info |
Bay State Savings Bank
Worcester, MA |
Click to Compare |
Click to Compare |
Click to Compare |
| FDIC Number | 90311 | |||
| Phone Number | (508) 890-9000 | |||
| Website | www.baystatesavingsbank.com | |||
| Asset Quality |
Bay State Savings Bank
Worcester, MA |
Click to Compare |
Click to Compare |
Click to Compare |
| 1-Year Asset Growth | 3.04% | |||
| 5-Year Asset Growth | 4.38% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | -0.02% | |||
| Non-Performing Assets to Assets | 0.31% | |||
| Non-Performing Loans to Capital | 3.38% | |||
| Non-Performing Loans to Loans | 0.38% | |||
| Balance Sheet |
Bay State Savings Bank
Worcester, MA |
Click to Compare |
Click to Compare |
Click to Compare |
| Total Assets | 571.93M | |||
| Total Deposits | 510.45M | |||
| Capital and Reserves |
Bay State Savings Bank
Worcester, MA |
Click to Compare |
Click to Compare |
Click to Compare |
| Capital | 51.01M | |||
| Leverage Ratio | 8.62 | |||
| Loan Loss Reserves to Loans | 0.92% | |||
| Risk-Based Capital Ratio | 12.41 | |||
| Liquidity |
Bay State Savings Bank
Worcester, MA |
Click to Compare |
Click to Compare |
Click to Compare |
| Hot Money Ratio | 24.48% | |||
| Liquidity Ratio | 15.01% | |||
| Profitability |
Bay State Savings Bank
Worcester, MA |
Click to Compare |
Click to Compare |
Click to Compare |
| 5-Year Return on Average Assets | 0.40% | |||
| Net Income | 2.10M | |||
| Net Interest Spread | 2.98% | |||
| Operating Profit to Average Assets | 0.49% | |||
| Overhead Efficiency Ratio | 86.87% | |||
| Return on Assets | 0.38% | |||
| Return on Equity | 4.23% | |||