Vitals
  • Total Assets
    545.1M 6.6 %
  • Total Deposits
    420.6M 10.8 %
  • Total Net Loans
    477.0M 9.8 %
  • Net Income
    1.7M -4.3 %
  • Book Value
    43.9M 9.5 %
  • Book Value x2
    87.8M 9.5 %
  • Book Value x3
    131.7M 9.5 %
ROAA

.326

ROAE

4.03

Efficiency Ratio

85.27

Net Interest Margin

3.122

Balance Sheet Highlights
Financial Highlights Southbridge Savings Bank All Insured Commercial Banks in Massachusetts
Balance Sheet $(000)
Total Assets 545,130 1,195,734
Total Net Loans 477,047 884,564
Total Deposits 420,620 973,316
Total Equity 43,897 117,275
Profitability
Net Income 1,711 8,869
Return on Average Assets .326 .594
Return on Average Equity 4.03 5.855
Net Interest Margin 3.122 3.257
Efficiency Ratio 85.27 73.516
Noninterest Income/Revenue 21.8 17.101
Balance Sheet Ratios
Loan-to-Deposit 113.415 91.006
Securities/Assets .03 .127
Total Equity/Total Assets .081 .098
Tangible Equity/Tangible Assets .074 .09
Capital Adequacy
Tier 1 Common Capital 43,177 108,595
Tier 1 Capital 43,177 108,997
Tier 2 Capital 327 9,379
Total Capital 43,504 118,886
Total Risk Weighted Assets 385,903 863,428
Leverage Ratio 8.05 10.038
Common Equity Tier 1 Capital Ratio 11.19 14.848
Tier 1 Capital Ratio 11.19 14.854
Total Capital Ratio 11.27 15.826

Timeline for Southbridge Savings Bank

Ssb Community Bancorp Inc.

Ssb Community Bancorp Inc. became a new parent organization for Southbridge Savings Bank.

View Profile Jun 01 2016

Green Valley Bancorp, Inc.

Green Valley Bancorp, Inc. became a new parent organization for Southbridge Savings Bank.

View Profile Oct 07 2008

Ssb Securities Corp

Ssb Securities Corp became a new subsidiary organization for Southbridge Savings Bank.

View Profile Oct 07 2008

Southbridge Savings Bank

Southbridge Savings Bank was established 176 years ago and is currently headquartered in Southbridge, MA.

Apr 20 1848
Relationships Role Relationship Start Relationship End
Ssb Community Bancorp Inc. Parent 6/1/2016
Green Valley Bancorp, Inc. Parent 10/7/2008 5/31/2016
Ssb Securities Corp Subsidary 10/7/2008
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