Savers Co-operative Bank
Southbridge, MA
IDRSSD: 1002373
Total Assets
$791.70M
Latest filing
Total Deposits
$554.62M
Latest filing
Net Interest Margin
2.95%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Savers Co-operative Bank
270 Main St
Southbridge, MA 01550
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1910FDIC Certificate 33103
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Savers Co-operative Bank (Main) | 270 Main St | Southbridge, MA |
| AUBURN BRANCH | 38 Auburn St | Auburn, MA |
| UXBRIDGE BRANCH | 6 N Main St | Uxbridge, MA |
| GRAFTON BRANCH | 96 Worcester St | North Grafton, MA |
| CHARLTON BRANCH | 35 Trolley Crossing Rd | Charlton, MA |
| STURBRIDGE BRANCH | 55 Main St | Sturbridge, MA |
| OPERATIONS CENTER BRANCH | 43 Foster St | Southbridge, MA |
Showing 6 of 6
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 | 01/01/1910 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 01550 |
| State and County Number | 25027 |
| 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 | Worcester, MA-CT |
Operational Info
| Number of Employees | 88 |
| Domestic Offices | 7 |
| 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 | 11/26/1985 |
| Primary Insurance Agency | DIF |
| Website | http://www.saversbank.com |
| Data Updated | 01/30/2026 |
| CERT | 26455 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $791.70M |
| Total Deposits | $554.62M |
| Total Liabilities | $711.39M |
| Total Equity Capital | $80.30M |
| Net Income | $305.00k |
| Net Loans and Leases | $609.91M |
| Assets Per Employee ($Millions) | $10.7M |
| Bank Premises and Fixed Assets | $14.40M |
| Cash and Balances due from Depository Institutions | $9.91M |
| Deposits Held in Domestic Offices | $554.62M |
Key Performance Ratios
| Return on Assets (ROA) | 0.15% |
| Return on Equity (ROE) | 1.52% |
| Net Interest Margin | 2.95% |
| Efficiency Ratio | 69.84% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.79% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.143% |
| Earning Assets to total Assets | 93.63% |
Income and Expense
| Total Interest Income | $9.52M |
| Total Noninterest Income | $853.00k |
| Total Interest Expense | $4.03M |
| Total Noninterest Expense | $4.43M |
| Net Interest Income | $5.49M |
| Pre-tax Net Operating Income | $339.00k |
| Provision for Credit Losses | $1.57M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $246.00k |
| Other borrowed funds | $149.69M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.09M |
| Total Liabilities and Capital | $791.70M |
Securities
| Securities | $125.72M |
| Available-for-sale debt securities | $120.00M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $331.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Savers Co-operative Bank?
$791.70M as of the latest filing.
How much are Savers Co-operative Bank's total deposits?
$554.62M in total deposits.
Where is Savers Co-operative Bank located?
Southbridge, MA.
What is the Net Interest Margin?
2.95%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
0.15%.
How much are total loans and leases?
$609.91M (latest filing).
What is the total interest income (latest filing)?
$9.52M.