Country Bank For Savings (FDIC #23992): Bank Stress & Real-Estate Credit Exposure
Country Bank For Savings (FDIC Cert #23992): bank stress 59/100, moderate, STABLE over 7 days; parent 1850 FINANCIAL MHC.
Country Bank For Savings (#23992) lends in 3 counties across 1 state; Country Bank For Savings (#23992) reaches 151 ZIP codes: Massachusetts 3 counties, 151 ZIPs.
Country Bank For Savings (#23992) largest markets: Worcester County, MA (696 branches, 87 ZIPs) (#23992), Hampden County, MA (252 branches, 42 ZIPs) (#23992), Hampshire County, MA (56 branches, 28 ZIPs) (#23992).
Country Bank For Savings (#23992) reports $2.24 billion in total assets; Country Bank For Savings (#23992) equity $318.2 million (14.2% of Country Bank For Savings (#23992) assets); Country Bank For Savings (#23992) domestic deposits $1.73 billion; Country Bank For Savings (#23992) net income $9.0 million; Country Bank For Savings (#23992) return on assets 0.81%; Country Bank For Savings (#23992) return on equity 5.73%; Country Bank For Savings (#23992) net interest income $36.3 million; Country Bank For Savings (#23992) call report June 30, 2026.
Country Bank For Savings (#23992) noncurrent real-estate loans: none reported; Country Bank For Savings (#23992) net charge-offs on real estate 1.17%; Country Bank For Savings (#23992) multifamily charge-offs 0.10%; Country Bank For Savings (#23992) residential charge-offs 1.95%.
Country Bank For Savings (#23992) net interest margin 3.39% against an eight-quarter Country Bank For Savings (#23992) average of 3.11% (Country Bank For Savings (#23992) compression -0.29 points); Country Bank For Savings (#23992) non-residential real estate 195.1% of equity; Country Bank For Savings (#23992) rate-exposure score 40/100, Country Bank For Savings (#23992) fixed-rate trap 40/100; Country Bank For Savings (#23992) risk type credit driven; Country Bank For Savings (#23992) rate regime rates elevated, Country Bank For Savings (#23992) snapshot October 19, 2026.
Country Bank For Savings (#23992) stress score moved from 60.8 on June 22, 2026 to 59.4 on October 19, 2026; Country Bank For Savings (#23992) ranged 59.4 to 60.8 over 116 snapshots.
Country Bank For Savings (#23992) alerts: 3 counties; top Country Bank For Savings (#23992) alert scores: Worcester County, MA 44 (moderate); Ware County, MA 21 (low); Wilbraham County, MA 21 (low).