Whitinsville Savings Bank
Whitinsville, MA
IDRSSD: 709602
Total Assets
$2.77B
Latest filing
Total Deposits
$2.25B
Latest filing
Net Interest Margin
2.86%
Profitability
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 | 01/01/1872 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 01588 |
| State and County Number | 25027 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 42 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | — |
| Core Based Statistical Area Name | Worcester, MA-CT |
Operational Info
| Number of Employees | 258 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/19/1988 |
| Date of Deposit Insurance | 07/01/1985 |
| Primary Insurance Agency | BIF |
| Website | N/A |
| Data Updated | 11/14/2025 |
| CERT | 90304 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.77B |
| Total Deposits | $2.25B |
| Total Liabilities | $2.56B |
| Total Equity Capital | $212.86M |
| Net Income | $6.29M |
| Net Loans and Leases | $2.06B |
| Assets Per Employee ($Millions) | $10.26M |
| Bank Premises and Fixed Assets | $22.96M |
| Cash and Balances due from Depository Institutions | $109.91M |
| Deposits Held in Domestic Offices | $2.25B |
Key Performance Ratios
| Return on Assets (ROA) | 0.88% |
| Return on Equity (ROE) | 12.01% |
| Net Interest Margin | 2.86% |
| Efficiency Ratio | 63.83% |
| Tier 1 Risk-Based Capital Ratio | 13.348% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.684% |
| Earning Assets to total Assets | 96.71% |
Income and Expense
| Total Interest Income | $30.74M |
| Total Noninterest Income | $4.03M |
| Total Interest Expense | $11.03M |
| Total Noninterest Expense | $15.15M |
| Net Interest Income | $19.71M |
| Pre-tax Net Operating Income | $8.59M |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $47.00k |
| Federal Funds Purchased and Repurchased Agreement | $274.46M |
| All Other Liabilities | $30.86M |
| Total Liabilities and Capital | $2.77B |
Securities
| Securities | $522.29M |
| Available-for-sale debt securities | $474.46M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $47.92M |
| Subordinated Debt | $0 |
| Trading Account Assets | $2.31M |
| Trading Liabilities | $2.31M |
Frequently Asked Questions
What are the total assets of Whitinsville Savings Bank?
$2.77B as of the latest filing.
How much are Whitinsville Savings Bank's total deposits?
$2.25B in total deposits.
Where is Whitinsville Savings Bank located?
Whitinsville, MA.
What is the Net Interest Margin?
2.86%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1872.
What is the Return on Assets (ROA)?
0.88%.
How much are total loans and leases?
$2.06B (latest filing).
What is the total interest income (latest filing)?
$30.74M.