BAY STATE SAVINGS BANK
WORCESTER, MASSACHUSETTS · FDIC Cert #90311
Capital & Safety Analysis
According to FDIC financial data, BAY STATE SAVINGS BANK holds a Tier 1 capital ratio of 12.37%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning BAY STATE SAVINGS BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
BAY STATE SAVINGS BANK shows strong financial health indicators. With $550M in assets and a Health Score of 72/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
BAY STATE SAVINGS BANK has a Bank Health Score of B (72/100). It holds a Tier 1 capital ratio of 12.37%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
BAY STATE SAVINGS BANK holds $550M in total assets and $491M in total deposits. It is located in WORCESTER, MASSACHUSETTS (FDIC Certificate #90311).
BAY STATE SAVINGS BANK has a Tier 1 capital ratio of 12.37%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.60%, and the return on assets is 1.36%.
Yes. BAY STATE SAVINGS BANK is FDIC-insured (Certificate #90311). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.