Vitals
  • Total Assets
    1.5B 5.1 %
  • Total Deposits
    1.0B 5.6 %
  • Total Net Loans
    1.1B 8.9 %
  • Net Income
    9.5M 45.6 %
  • Book Value
    212.0M 3.3 %
  • Book Value x2
    424.0M 3.3 %
  • Book Value x3
    636.0M 3.3 %
ROAA

.668

ROAE

4.505

Efficiency Ratio

67.604

Net Interest Margin

3.226

Balance Sheet Highlights
Financial Highlights Country Bank For Savings All Insured Savings Banks in Massachusetts
Balance Sheet $(000)
Total Assets 1,465,409 761,274
Total Net Loans 1,065,153 592,852
Total Deposits 1,042,193 596,855
Total Equity 211,985 82,059
Profitability
Net Income 9,517 4,648
Return on Average Assets .668 .538
Return on Average Equity 4.505 4.944
Net Interest Margin 3.226 3.143
Efficiency Ratio 67.604 77.098
Noninterest Income/Revenue 9.463 14.538
Balance Sheet Ratios
Loan-to-Deposit 102.203 95.714
Securities/Assets .234 .124
Total Equity/Total Assets .145 .108
Tangible Equity/Tangible Assets .144 .106
Capital Adequacy
Tier 1 Common Capital 208,216 80,540
Tier 1 Capital 208,216 80,580
Tier 2 Capital 9,862 5,839
Total Capital 218,078 86,408
Total Risk Weighted Assets 1,082,747 559,688
Leverage Ratio 14.26 10.827
Common Equity Tier 1 Capital Ratio 19.23 15.478
Tier 1 Capital Ratio 19.23 15.53
Total Capital Ratio 20.14 16.563

Timeline for Country Bank For Savings

Leicester Savings Bank

Acquisition: Country Bank For Savings acquired a new subsidiary, Leicester Savings Bank, 26 years

View Profile Jan 01 1998

Palmer Branch

Acquisition: Country Bank For Savings acquired a new subsidiary, Palmer Branch , 42 years

View Profile Nov 01 1981

Country Bank For Savings

Country Bank For Savings was established 173 years ago and is currently headquartered in Ware, MA.

Jul 01 1850
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Leicester Savings Bank Seller 29,808 Pooling of Interests Discontinued 1/1/1998
Palmer Branch Seller Discontinued 11/1/1981
Relationships Role Relationship Start Relationship End
Similar Organizations
Organization City State Total Assets
Fairfield County Bank
 		Ridgefield CT 1.5B
Bank Of New Hampshire
 		Laconia NH 1.4B
Boiling Springs Savings Bank
 		Rutherford NJ 1.6B
Avidia Bank
 		Hudson MA 1.3B
Florence Bank
 		Florence MA 1.3B
First County Bank
 		Stamford CT 1.5B
Union County Savings Bank
 		Elizabeth NJ 1.8B
Dedham Institution For Savings
 		Dedham MA 1.4B
Yakima Federal Savings And Loan Association
 		Yakima WA 1.8B
Entegra Bank
 		Franklin NC 1.2B