Clinton Savings Bank
Clinton, MA
IDRSSD: 179700
Total Assets
$743.03M
Latest filing
Total Deposits
$570.79M
Latest filing
Net Interest Margin
2.92%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
211373115CLINTON, MA
Key People
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Locations
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Main Office
Clinton Savings Bank
200 Church St
Clinton, MA 01510
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/15/1851FDIC Certificate 17772
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Clinton Savings Bank (Main) | 200 Church St | Clinton, MA |
| BOLTON BRANCH | 562 Main St | Bolton, MA |
| STERLING BRANCH | 1 Main St | Sterling, MA |
| BERLIN BRANCH | 35 Central St | Berlin, MA |
| WEST BOYLSTON BRANCH | 306 W Boylston St | West Boylston, MA |
| BOYLSTON BRANCH | 81 D Shrewsbury Street | Boylston, MA |
| TAHANTO REGIONAL MIDDLE/HIGH SCHOOL BRANCH | 1001 Main St | Boylston, MA |
| TAHANTO REGIONAL HIGH SCHOOL BRANCH | 1001 Main St | Boylston, MA |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 05/15/1851 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01510 |
| State and County Number | 25027 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Worcester, MA-CT |
Operational Info
| Number of Employees | 101 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 11/20/1985 |
| Primary Insurance Agency | DIF |
| Website | www.clintonsavings.com |
| Data Updated | 01/30/2026 |
| CERT | 90181 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $743.03M |
| Total Deposits | $570.79M |
| Total Liabilities | $684.20M |
| Total Equity Capital | $58.83M |
| Net Income | $-4,211,000 |
| Net Loans and Leases | $521.48M |
| Assets Per Employee ($Millions) | $7.51M |
| Bank Premises and Fixed Assets | $9.91M |
| Cash and Balances due from Depository Institutions | $9.45M |
| Deposits Held in Domestic Offices | $570.79M |
Key Performance Ratios
| Return on Assets (ROA) | -2.26% |
| Return on Equity (ROE) | -27.85% |
| Net Interest Margin | 2.92% |
| Efficiency Ratio | 98.37% |
| Tier 1 Risk-Based Capital Ratio | 13.911% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 2.85% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.918% |
| Earning Assets to total Assets | 92.22% |
Income and Expense
| Total Interest Income | $8.44M |
| Total Noninterest Income | $560.00k |
| Total Interest Expense | $3.41M |
| Total Noninterest Expense | $5.49M |
| Net Interest Income | $5.02M |
| Pre-tax Net Operating Income | $-5,222,000 |
| Provision for Credit Losses | $5.31M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.65M |
| Other borrowed funds | $104.44M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $4.94M |
| All Other Liabilities | $4.03M |
| Total Liabilities and Capital | $743.03M |
Securities
| Securities | $159.75M |
| Available-for-sale debt securities | $149.85M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Clinton Savings Bank?
$743.03M as of the latest filing.
How much are Clinton Savings Bank's total deposits?
$570.79M in total deposits.
Where is Clinton Savings Bank located?
Clinton, MA.
What is the Net Interest Margin?
2.92%.
How many domestic offices does it operate?
9.
When was it established?
05/15/1851.
What is the Return on Assets (ROA)?
-2.26%.
How much are total loans and leases?
$521.48M (latest filing).
What is the total interest income (latest filing)?
$8.44M.