# COUNTRY BANK FOR SAVINGS
WARE, MA · FDIC certificate 23992 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.24B | |
| Deposits | $1.73B | |
| Loans and leases | $1.76B | |
| Total equity | $318.2M | |
| Loans / deposits | 100.58% (p87 of band) | 87.10% |
| Liquid assets / assets | 19.49% (p43 of band) | |
| Uninsured deposits / deposits | 27.37% (p39 of band) | 30.76% |
| Brokered deposits | 3.19% | |
| Wholesale funding | 10.98% (p68 of band) | |
| FHLB advances / assets | 7.78% | |
| Tier 1 leverage | 14.84% (p92 of band) | 10.50% |
| Unrealized securities loss / equity | -7.29% (p52 of band) | -7.75% |
| AOCI / equity | -0.45% (p38 of band) | |
| ROA (annualized) | 0.81% (p20 of band) | 1.26% |
| Net interest margin | 3.39% (p31 of band) | 3.70% |
| Efficiency ratio | 69.99% (p79 of band) | |
| Noncurrent loans | 1.14% (p77 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | 86.34% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 51.20% (p54 of band) | |
| Auto loans | $3.6M (0.21% of loans; DQ 0.61%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 15.5% | |
| Employees | 241 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | expense ratio p90 |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | assets shrinking |  |
| 2013-12 | 3 |  | assets shrinking |
| 2014-03 | 2 |  | expense ratio p90 |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | noncurrent p90 |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | wholesale funding >15% |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | noncurrent p90 |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 3 | loans exceed deposits |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | wholesale funding >15% |  |
| 2017-12 | 3 | capital falling | reserve under noncurrent |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | capital falling, reserve under noncurrent |  |
| 2019-09 | 3 |  | capital falling |
| 2019-12 | 4 | noncurrent p90 |  |
| 2020-03 | 1 |  | wholesale funding >15%, reserve under noncurrent, noncurrent p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | noncurrent p90, reserve under noncurrent | loans exceed deposits |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | loans exceed deposits, deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 4 | noncurrent p90, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 3 |  | capital falling |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | capital falling | noncurrent p90 |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | wholesale funding >15% |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 2 |  | capital falling, wholesale funding >15% |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-27 [Country Bank for Savings agrees to settle overdraft and NSF fees class action for $495,000 - Claim Depot](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqb3I3bnFqZnN0M1lZeTdjY00zcWtsWlFLV2Jub1JaWlZlTV9pejV3VGt5MEZzaTVTMk9UZFhjRGtaTnA1V0t5dll2d0FFbm5wekRKZFVtMkxmZHBqV3JKUFFXU1R0ek9IX0JmYTBZcw?oc=5) · Claim Depot
- 2026-07-28 [Robert M. Kennedy Obituary - Worcester Telegram](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBXb0J1aE01NUVIaldPelZ6elYzR1B6Ty1PYXBILXNwMDNRbmNkWGtuTU1RYzFwNDFiYzE3Y2t2RnozTGdJemdua0JMd2w1QVo0MUxtSm93Z0VDT2s?oc=5) · Worcester Telegram
- 2021-02-22 [Country Bank for Savings (MA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMijgFBVV95cUxOTWFRdlVpZ3h1ZE4yS0xKUlBpa3p3U3hGNDNfNmEzZU5VRjNTR21UUjduV3N5RUt6enM0R19sNXJxUFdQem5pZHhUa1dyaWp4bUExU3dtOWZMWjZTTy1Cenc2anE0bzZLdXRzZlJod3U1NHUtdWhlUmpKaEhEY01oMnpuUF9Eb0oxZDJKQVNn?oc=5) · SmartAsset
- 2015-04-27 [Movers & Shakers - Worcester Business Journal](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1oeUUzWDNSRmRWazlrUURMNk9Ka0VaMTZjN1N2V3lYN1pvb2VvNk0xYnpuNmlydC1VVWhUWnJVb3FLc29EbEJnUWRIRWV0V0FVaEpmbWM2UFRKOHg2Y2c?oc=5) · Worcester Business Journal
- 2016-02-07 [Country Bank names officer for Worcester market - Worcester Telegram](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOR1J6ZnhGSEY4TnAtMUt6d1g5aXltbDFUTGVXckpWVEltcVUzSms0eDNBQ1pHb24xZXYtem14NktGOE15NVB6VVRNU3JJekJMUEd0N3ZNbDF4LTJBa0dfd0VjOU1lX1dvazRzNGhMejJkM0dSWnNjeXo4MTU2QUZpNEV0YURxVVR1WDNqam1uM1FCc0RaMFdPd1c4bnZqYjNiVXA1VTcxbDNOb3c?oc=5) · Worcester Telegram
- 2013-07-31 [Nicholas Poulopoulos Obituary (2013) - Palmer, MA - MassLive.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQR3haTEk5ZmM3T1dtdHU0T2ZyZUYza0V0X1JqRVhIMGJqbzRpcEFzVHRXUktNRHVOdzlDdVR5NVo5UzRRVXE5WmpsTEc4T0M2a2JlT0oyQVhsUmtEa1JfZ0hYRDZNX1dHX0tDVjNGZUNiNUxvd2UzamJ4S0VhdjZleEV4UzdhbzJxWWh3VWNFSkVETnBSTWIwMDRneFU?oc=5) · MassLive.com
- 2023-09-01 [Sutton man charged in armed robbery of Country Bank for Savings in Charlton - Worcester Telegram](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPZXJwRDk2MUpJSEJqSFpvMFBkakFIN0N4cjVKalZFRHd1bjV5QXd2TEFDMGpESGNtOExaX1gteWpHVlZWQVloRl9rcXdVeEhIRGdBSkZrOTFmcG1GVHlVNDNfaGFQY1dSa2R6STFlMzBIVjQ4QXRIM29iVWNpSG9KN1FmNjBha1lXejI1TUpYaG1kNUdhYzV3azFRYjRwc0RObEpKb2t4VnlpNmZpb0ItSmVwaXBLQ0FyVE11b0RUN1RjVUx3djRpaFpQeXZKTW9JZV90QjNiVmY?oc=5) · Worcester Telegram
- 2006-02-19 [Lois Reynolds Obituary (2006) - Springfield, MA - MassLive.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQT29UWFJDeEVYNUhPcFR5dmhaVXNTanE0akRTR0xTQ21qZXFoTEdwdWp5TWxjNjVuRG5tUWh4dWF0Tjl1U204NVJlc1o5WGl2S25LQnVZajhCbFp2dmkza180OVlRcnU1b2NGSURwZVgtQ19oR3o3X2ZNYUlkZEhBUmVIaG9TdFVZUjZ6eEFIdkF2elU?oc=5) · MassLive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23992 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "23992", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide