Monson Savings Bank
Monson, MA
IDRSSD: 951102
Total Assets
$753.68M
Latest filing
Total Deposits
$652.14M
Latest filing
Net Interest Margin
3.56%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
211871219MONSON, MA
Key People
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Locations
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Main Office
Monson Savings Bank
146 Main St
Monson, MA 01057
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/27/1872FDIC Certificate 17835
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Monson Savings Bank (Main) | 146 Main St | Monson, MA |
| HAMPDEN BRANCH | 15 Somers Rd | Hampden, MA |
| WILBRAHAM BRANCH | 100 Post Office Park | Wilbraham, MA |
| WARE BRANCH | 136 West St | Ware, MA |
| MONSON SAVINGS BANK OPERATIONS CENTER BRANCH | 75 Post Office Park | Wilbraham, MA |
| EAST LONGMEADOW BRANCH | 61 N Main St | East Longmeadow, MA |
Showing 5 of 5
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 | 03/27/1872 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01057 |
| State and County Number | 25013 |
| 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 | Springfield, MA |
Operational Info
| Number of Employees | 99 |
| Domestic Offices | 6 |
| 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 | 07/01/1985 |
| Primary Insurance Agency | DIF |
| Website | www.monsonsavings.bank |
| Data Updated | 01/30/2026 |
| CERT | 90245 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $753.68M |
| Total Deposits | $652.14M |
| Total Liabilities | $682.01M |
| Total Equity Capital | $71.67M |
| Net Income | $1.68M |
| Net Loans and Leases | $623.06M |
| Assets Per Employee ($Millions) | $7.85M |
| Bank Premises and Fixed Assets | $5.27M |
| Cash and Balances due from Depository Institutions | $30.89M |
| Deposits Held in Domestic Offices | $652.14M |
Key Performance Ratios
| Return on Assets (ROA) | 0.89% |
| Return on Equity (ROE) | 9.49% |
| Net Interest Margin | 3.56% |
| Efficiency Ratio | 64.98% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.509% |
| Earning Assets to total Assets | 94.96% |
Income and Expense
| Total Interest Income | $9.32M |
| Total Noninterest Income | $1.18M |
| Total Interest Expense | $2.98M |
| Total Noninterest Expense | $4.89M |
| Net Interest Income | $6.34M |
| Pre-tax Net Operating Income | $2.52M |
| Provision for Credit Losses | $109.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $21.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.87M |
| Total Liabilities and Capital | $753.68M |
Securities
| Securities | $66.92M |
| Available-for-sale debt securities | $62.91M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $4.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Monson Savings Bank?
$753.68M as of the latest filing.
How much are Monson Savings Bank's total deposits?
$652.14M in total deposits.
Where is Monson Savings Bank located?
Monson, MA.
What is the Net Interest Margin?
3.56%.
How many domestic offices does it operate?
6.
When was it established?
03/27/1872.
What is the Return on Assets (ROA)?
0.89%.
How much are total loans and leases?
$623.06M (latest filing).
What is the total interest income (latest filing)?
$9.32M.