Country Bank for Savings
Ware, MA
IDRSSD: 689209
Total Assets
$2.20B
Latest filing
Total Deposits
$1.67B
Latest filing
Net Interest Margin
3.31%
Profitability
Key People
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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 01/30/2026Established 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 | 227 |
| Domestic Offices | 15 |
| 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 | 01/30/2026 |
| CERT | 23992 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.20B |
| Total Deposits | $1.67B |
| Total Liabilities | $1.89B |
| Total Equity Capital | $310.89M |
| Net Income | $3.72M |
| Net Loans and Leases | $1.71B |
| Assets Per Employee ($Millions) | $9.62M |
| Bank Premises and Fixed Assets | $12.56M |
| Cash and Balances due from Depository Institutions | $98.30M |
| Deposits Held in Domestic Offices | $1.67B |
Key Performance Ratios
| Return on Assets (ROA) | 0.68% |
| Return on Equity (ROE) | 4.82% |
| Net Interest Margin | 3.31% |
| Efficiency Ratio | 69.96% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.116% |
| Earning Assets to total Assets | 96.52% |
Income and Expense
| Total Interest Income | $27.59M |
| Total Noninterest Income | $1.85M |
| Total Interest Expense | $10.05M |
| Total Noninterest Expense | $13.56M |
| Net Interest Income | $17.54M |
| Pre-tax Net Operating Income | $4.92M |
| Provision for Credit Losses | $897.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $34.00k |
| Other borrowed funds | $206.09M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $17.55M |
| Total Liabilities and Capital | $2.20B |
Securities
| Securities | $336.00M |
| Available-for-sale debt securities | $227.92M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $108.09M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Country Bank for Savings?
$2.20B as of the latest filing.
How much are Country Bank for Savings's total deposits?
$1.67B in total deposits.
Where is Country Bank for Savings located?
Ware, MA.
What is the Net Interest Margin?
3.31%.
How many domestic offices does it operate?
15.
When was it established?
07/01/1850.
What is the Return on Assets (ROA)?
0.68%.
How much are total loans and leases?
$1.71B (latest filing).
What is the total interest income (latest filing)?
$27.59M.