Country Bank for Savings
Ware, MA
IDRSSD: 689209
Total Assets
$2.19B
Latest filing
Total Deposits
$1.63B
Latest filing
Net Interest Margin
3.26%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Country Bank for Savings
155 West St
Ware, MA 01082
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1850FDIC Certificate 16732
Branches (14)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Country Bank for Savings (Main) | 155 West St | Ware, MA |
| 1084 MAIN STREET BRANCH | 1084 Main St | Leicester, MA |
| PALMER BRANCH | 1485 N Main St | Palmer, MA |
| NORTH MAIN STREET BRANCH | 21 N Main St | Belchertown, MA |
| WILBRAHAM BRANCH | 2379 Boston Rd | Wilbraham, MA |
| BRIMFIELD BRANCH | 9 Main St Side | Brimfield, MA |
| WEST BROOKFIELD BRANCH | 8 W Main St | West Brookfield, MA |
| LUDLOW BRANCH | 64 Cherry St | Ludlow, MA |
Showing 7 of 14
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 | 07/01/1850 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 01082 |
| State and County Number | 25015 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Springfield, MA |
Operational Info
| Number of Employees | 225 |
| Domestic Offices | 14 |
| 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 | 08/16/1982 |
| Primary Insurance Agency | DIF |
| Website | www.countrybank.com |
| Data Updated | 11/14/2025 |
| CERT | 23992 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.19B |
| Total Deposits | $1.63B |
| Total Liabilities | $1.89B |
| Total Equity Capital | $306.40M |
| Net Income | $4.11M |
| Net Loans and Leases | $1.70B |
| Assets Per Employee ($Millions) | $9.65M |
| Bank Premises and Fixed Assets | $12.67M |
| Cash and Balances due from Depository Institutions | $96.70M |
| Deposits Held in Domestic Offices | $1.63B |
Key Performance Ratios
| Return on Assets (ROA) | 0.76% |
| Return on Equity (ROE) | 5.43% |
| Net Interest Margin | 3.26% |
| Efficiency Ratio | 70.06% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.981% |
| Earning Assets to total Assets | 96.24% |
Income and Expense
| Total Interest Income | $27.24M |
| Total Noninterest Income | $2.07M |
| Total Interest Expense | $10.26M |
| Total Noninterest Expense | $13.35M |
| Net Interest Income | $16.98M |
| Pre-tax Net Operating Income | $5.42M |
| Provision for Credit Losses | $279.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $238.42M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $15.09M |
| Total Liabilities and Capital | $2.19B |
Securities
| Securities | $333.49M |
| Available-for-sale debt securities | $222.78M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $110.70M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Country Bank for Savings?
$2.19B as of the latest filing.
How much are Country Bank for Savings's total deposits?
$1.63B in total deposits.
Where is Country Bank for Savings located?
Ware, MA.
What is the Net Interest Margin?
3.26%.
How many domestic offices does it operate?
14.
When was it established?
07/01/1850.
What is the Return on Assets (ROA)?
0.76%.
How much are total loans and leases?
$1.70B (latest filing).
What is the total interest income (latest filing)?
$27.24M.