Bay State Savings Bank
Worcester, MA — State Savings Bank
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Net Interest Margin Over Time
| Net Interest Margin | Bay State Savings Bank | All Insured Savings Banks in Massachusetts |
| 12-31-2016 | 3.204 | 3.143 |
| 09-30-2016 | 3.241 | 3.146 |
| 06-30-2016 | 3.247 | 3.156 |
| 03-31-2016 | 3.284 | 3.161 |
| 12-31-2015 | 3.374 | 3.16 |
| 09-30-2015 | 3.415 | 3.162 |
| 06-30-2015 | 3.453 | 3.15 |
| 03-31-2015 | 3.568 | 3.156 |
| 12-31-2014 | 3.679 | 3.152 |
| 09-30-2014 | 3.709 | 3.14 |
| 06-30-2014 | 3.695 | 3.137 |
| 03-31-2014 | 3.69 | 3.146 |
| 12-31-2013 | 3.716 | 3.175 |
| 09-30-2013 | 3.724 | 3.169 |
| 06-30-2013 | 3.765 | 3.157 |
| 03-31-2013 | 3.839 | 3.15 |
| 12-31-2012 | 3.982 | 3.239 |
| 09-30-2012 | 3.974 | 3.259 |
| 06-30-2012 | 3.889 | 3.271 |
| 03-31-2012 | 3.863 | 3.276 |
| 12-31-2011 | 3.991 | 3.373 |
| 09-30-2011 | 4.003 | 3.369 |
| 06-30-2011 | 4.011 | 3.364 |
| 03-31-2011 | 3.973 | 3.376 |
| 12-31-2010 | 3.784 | 3.404 |
| 09-30-2010 | 3.752 | 3.406 |
| 06-30-2010 | 3.747 | 3.396 |
| 03-31-2010 | 3.65 | 3.363 |
| 12-31-2009 | 3.638 | 3.155 |
| 09-30-2009 | 3.591 | 3.118 |
| 06-30-2009 | 3.442 | 3.083 |
| 03-31-2009 | 3.635 | 3.097 |
| 12-31-2008 | 3.438 | 3.024 |
| 09-30-2008 | 3.409 | 2.981 |
| 06-30-2008 | 3.382 | 2.92 |
| 03-31-2008 | 3.298 | 2.876 |
| 12-31-2007 | 3.221 | 2.941 |
| 09-30-2007 | 3.237 | 2.954 |
| 06-30-2007 | 3.245 | 2.962 |
| 03-31-2007 | 3.223 | 2.956 |
| 12-31-2006 | 3.573 | 3.154 |
| 09-30-2006 | 3.658 | 3.204 |
| 06-30-2006 | 3.77 | 3.241 |
| 03-31-2006 | 3.912 | 3.288 |
| 12-31-2005 | 4.092 | 3.409 |
| 09-30-2005 | 4.13 | 3.434 |
| 06-30-2005 | 4.157 | 3.45 |
| 03-31-2005 | 4.171 | 3.451 |
| 12-31-2004 | 4.128 | 3.429 |
| 09-30-2004 | 4.099 | 3.416 |
| 06-30-2004 | 4.05 | 3.424 |
| 03-31-2004 | 4.149 | 3.462 |
| 12-31-2003 | 4.096 | 3.452 |
| 09-30-2003 | 4.027 | 3.467 |
| 06-30-2003 | 3.978 | 3.517 |
| 03-31-2003 | 3.985 | 3.56 |
| 12-31-2002 | 4.434 | 3.675 |