Bay State Savings Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $585M | $524M | $468M | $51M | $583K | 0.40% | 4.56% | 3.36% | 0.48% |
| Q4 2025 | $572M | $510M | $466M | $51M | $791K | 0.37% | 4.23% | 2.97% | 0.38% |
| Q3 2025 | $581M | $521M | $454M | $50M | $496K | 0.31% | 3.54% | 2.89% | 0.47% |
| Q2 2025 | $553M | $494M | $440M | $49M | $451K | 0.29% | 3.31% | 2.86% | 0.48% |
| Q1 2025 | $547M | $488M | $427M | $49M | $357K | 0.26% | 2.94% | 2.82% | 0.47% |
| Q4 2024 | $555M | $496M | $423M | $48M | $-109K | 0.71% | 8.19% | 2.72% | 0.55% |
| Q3 2024 | $560M | $488M | $430M | $49M | $360K | 0.97% | 11.33% | 2.69% | 0.68% |
| Q2 2024 | $550M | $491M | $431M | $48M | $3M | 1.34% | 15.74% | 2.70% | 0.60% |
| Q1 2024 | $537M | $481M | $433M | $45M | $234K | 0.18% | 2.10% | 2.71% | 0.67% |
| Q4 2023 | $521M | $465M | $439M | $44M | $-3888K | -0.60% | -7.16% | 2.96% | 0.96% |
| Q3 2023 | $528M | $473M | $439M | $43M | $-76K | 0.18% | 2.20% | 3.03% | 0.81% |
| Q2 2023 | $538M | $482M | $438M | $45M | $354K | 0.31% | 3.61% | 3.12% | 0.44% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.