# CHICOPEE SAVINGS BANK
CHICOPEE, MA · FDIC certificate 90179 · asset band $300M-1B · latest filing 2016-09 · stopped filing (departed)

**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 | $723.9M | |
| Deposits | $566.6M | |
| Loans and leases | $616.7M | |
| Total equity | $78.7M | |
| Loans / deposits | 107.85% (p94 of band) | 84.10% |
| Liquid assets / assets | 10.95% (p8 of band) | |
| Uninsured deposits / deposits | 23.88% (p63 of band) | 20.48% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.25% (p67 of band) | |
| FHLB advances / assets | 9.70% | |
| Tier 1 leverage | 11.12% (p68 of band) | 10.18% |
| Unrealized securities loss / equity | 0.06% (p10 of band) | 2.01% |
| AOCI / equity | -0.01% (p7 of band) | |
| ROA (annualized) | 0.42% (p11 of band) | 0.94% |
| Net interest margin | 3.34% (p32 of band) | 3.61% |
| Efficiency ratio | 78.15% (p79 of band) | |
| Noncurrent loans | 1.04% (p68 of band) | 0.65% |
| Net charge-offs (annualized) | 0.03% (p54 of band) | |
| Reserve coverage of noncurrent | 88.79% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 70.34% (p77 of band) | |
| Auto loans | $1.1M (0.17% of loans; DQ 3.71%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 118 | |

## 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 | 4 | loans exceed deposits, wholesale funding >15%, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 2 |  | wholesale funding >15%, reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent | loans exceed deposits, expense ratio p90 |
| 2012-03 | 1 | expense ratio p90 | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | expense ratio p90 |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | loans exceed deposits |  |
| 2013-06 | 0 |  | loans exceed deposits |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 2 | loans exceed deposits |  |
| 2014-03 | 4 | losing money, charge-offs p90 |  |
| 2014-06 | 5 | capital falling |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 3 |  | losing money, charge-offs p90 |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 3 | liquid assets <10% |  |
| 2016-03 | 2 |  | liquid assets <10% |
| 2016-06 | 3 | liquid assets <10% |  |
| 2016-09 | 2 |  | liquid assets <10% |

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

- 2016-04-05 [Westfield Bank, Chicopee Savings Bank to merge - WWLP](https://news.google.com/rss/articles/CBMifEFVX3lxTE93eGtDREdTYlF2Z2lobXk0YWs4RHlCd1FGMWQ1Zm0ycE55QzhLYUFGMmhDRzdCbFBMZGVOZ0thRkFBYjVjNVhTSmo1MGNPOWxMSXg2ZlV3VzQyb3IzZTh6eGl1cVpXRUZuYWx5WVNTZkFNd25MV0d6bnFzY2bSAYIBQVVfeXFMTzFvQl9vQnVVdlFvNUt3TjRKVUlEeWU2YlNaQnFRWVJnbVNJSWlHaTh3Z3NHT1lBQmRHX2pfeWdtN2JiM0NVU29iNGdYU0xUNTFidGFjcVRvTEdyRTAzOHc1Q016di1tLVA4NlJFT2FkaUlFWmtXdVJtWnV1bFljUDZSQQ?oc=5) · WWLP
- 2016-04-05 [Chicopee Savings and Westfield Bank to merge, become largest bank headquartered in Hampden County - MassLive](https://news.google.com/rss/articles/CBMibEFVX3lxTE95M18ycUNCT2RVNGhqaUktWGtfY1hBOUp0MThHUDNZakRYVXNEUjd6NWYyZEwweFprYmFCVHZjTjJ3OV9TRlI4MENoWDdpRXVtMlFDUnI5Mm4yODhoaERwYmlDMEgxczkwVmZCMQ?oc=5) · MassLive
- 2016-04-06 [Westfield Bank merger ‘compelling’ - The Westfield News](https://news.google.com/rss/articles/CBMib0FVX3lxTE5fNWtRYVBnVmtTSVNmYTh6ZHZtTkFzNW52Z2RYcmVHSjc2cnR6Q3prVGluYzRVUzZ3RDVDS3hyOWJzeUtKVGh0OU5kd2llb2prRERURG5JNGxQNkozTWpwYnRtQUZWQkRQUUNPTm9scw?oc=5) · The Westfield News
- 2024-06-14 [Robert Kinsey Jenkins - Hartford Courant](https://news.google.com/rss/articles/CBMie0FVX3lxTE9ILUlhY1hHWlc5M194bWlTbENqTmhnTExyRkJLNlJEXzJDSWtKbEY2YzlHR1ROR3RxM25aS2d1WldvWFQtRzRyNHQtbDNfZzhvaDF0TVRRV3ltX3l2T3NDcWVmNUxGbGxGTVduQ2tLVVZIeU02VWZvYlJLSQ?oc=5) · Hartford Courant
- 2016-09-29 [Chicopee Savings Bank, Westfield Bank shareholders OK $110M merger - MassLive](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWGRLVWF3Wk03MXhoNTdSNzNjdHBlZV9PZTcxM01ZVHQzZUVESUNRRXV6cGZrVXlKeFJRd1MxbXdQWE5UemJiMGktQVRYT2pnZ1FxOG1FcVA1VWFiZHlLV3lqb2FOZERVYW9mZmplUFZnQkUzNHNyVDZwb1IwYW8zQUprdVJKU3VvLWQxUmVmak5UVEJzMm5Z?oc=5) · MassLive
- 2011-05-29 [Police release photo of suspect in Chicopee Savings Bank robbery in Ludlow - MassLive](https://news.google.com/rss/articles/CBMifkFVX3lxTE9udWNKd1pCRGhuY2ZkM1ZFTFZDeVM3S19OcUxfYkZSZWtPVzJ1bjVPRnJrMGNjYkhEOTRCWlVXVzNpLTJOejYzWWgycmNpVjhmOHBjSmpSbzM2UjVpSFBtVkRhVHI3d2JrakV0anJBdmVWSV9sUC1qaXZaU282QQ?oc=5) · MassLive
- 2013-01-14 [Bellucci Salon & Day Spa gets makeover with help from Massachusetts treasurer's small business program - MassLive](https://news.google.com/rss/articles/CBMilwFBVV95cUxOMDhaUFA3a2xJUWtmTzJ6TGtLSFRrSlltS0tHaTZCQXB5YUJUZXRqX25mdTBkcEpTZGZLNzlVTmw0NmZDQnhwV1ByeXpZWHNQSnVmdThWWkdtUUtaWTVTVFEwcEhNSzVpU3ZJc091bE1lZlNJd2tNTGk1OXE3bHhySzgtRWo3QktqTmJ4MU1PMEJuR2dJeFRz?oc=5) · MassLive
- 2022-01-06 [Western Massachusetts community banker William Wagner leaves legacy of good citizenship (Editorial) - MassLive](https://news.google.com/rss/articles/CBMi2wFBVV95cUxONDNkakZaTEpGUjZnWjBuNTF4N0R5Z3BNXzN6UUZNNnFObWxHajhtMnQ4Tkh2VWdiTDBjc0hVRFRfcndDem1Oc1otTmRMOXBfWVAtb0tzWG9lNVNaWi1MUWhmS0NYc3JRRUxLQkdRRXVLM2JCVDA3WWJ6eWtQaEdtb29TTzNpdTdFMS1VMTVHaDRGQUdYWDEyMjhPMTM4S0wzMVVWdjUzYVV1ZG5mY2tBQVRlRzIxWFBOVjNPSjdQSFBnMFNCZDdwdl9Ya2R3MVlrSFhGZkRnS3ZqNHM?oc=5) · MassLive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90179 (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/3.json (key "90179", 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