Clinton Savings Bank
Clinton, MA
IDRSSD: 179700
Total Assets
$747.40M
Latest filing
Total Deposits
$565.74M
Latest filing
Net Interest Margin
2.80%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Clinton Savings Bank
200 Church St
Clinton, MA 01510
Full Service - Brick and Mortar
Updated 11/14/2025Established 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 | 104 |
| 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 | 11/14/2025 |
| CERT | 90181 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $747.40M |
| Total Deposits | $565.74M |
| Total Liabilities | $685.25M |
| Total Equity Capital | $62.15M |
| Net Income | $-1,857,000 |
| Net Loans and Leases | $525.10M |
| Assets Per Employee ($Millions) | $7.4M |
| Bank Premises and Fixed Assets | $10.02M |
| Cash and Balances due from Depository Institutions | $11.26M |
| Deposits Held in Domestic Offices | $565.74M |
Key Performance Ratios
| Return on Assets (ROA) | -1% |
| Return on Equity (ROE) | -11.95% |
| Net Interest Margin | 2.8% |
| Efficiency Ratio | 87.8% |
| Tier 1 Risk-Based Capital Ratio | 14.442% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 2.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.316% |
| Earning Assets to total Assets | 92.13% |
Income and Expense
| Total Interest Income | $8.27M |
| Total Noninterest Income | $546.00k |
| Total Interest Expense | $3.46M |
| Total Noninterest Expense | $4.70M |
| Net Interest Income | $4.81M |
| Pre-tax Net Operating Income | $-3,379,000 |
| Provision for Credit Losses | $4.03M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $2.25M |
| Other borrowed funds | $114.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.01M |
| All Other Liabilities | $4.00M |
| Total Liabilities and Capital | $747.40M |
Securities
| Securities | $157.30M |
| Available-for-sale debt securities | $147.67M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$747.40M as of the latest filing.
How much are Clinton Savings Bank's total deposits?
$565.74M in total deposits.
Where is Clinton Savings Bank located?
Clinton, MA.
What is the Net Interest Margin?
2.80%.
How many domestic offices does it operate?
9.
When was it established?
05/15/1851.
What is the Return on Assets (ROA)?
-1%.
How much are total loans and leases?
$525.10M (latest filing).
What is the total interest income (latest filing)?
$8.27M.