# MONSON SAVINGS BANK
MONSON, MA · FDIC certificate 90245 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $806.3M | |
| Deposits | $721.9M | |
| Loans and leases | $638.0M | |
| Total equity | $75.7M | |
| Loans / deposits | 87.79% (p66 of band) | 82.04% |
| Liquid assets / assets | 17.36% (p23 of band) | |
| Uninsured deposits / deposits | 31.52% (p71 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.55% (p24 of band) | 10.81% |
| Unrealized securities loss / equity | -5.58% (p60 of band) | -8.10% |
| AOCI / equity | 0.12% (p85 of band) | |
| ROA (annualized) | 0.99% (p32 of band) | 1.28% |
| Net interest margin | 3.49% (p27 of band) | 3.91% |
| Efficiency ratio | 66.43% (p65 of band) | |
| Noncurrent loans | 0.23% (p35 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | 293.27% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 59.26% (p63 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 100 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | capital falling, charge-offs p90 |  |
| 2016-09 | 0 |  | capital falling, charge-offs p90 |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2026-09-01 [Monson Savings Bank to host professional clothing drive - WWLP](https://news.google.com/rss/articles/CBMirAFBVV95cUxNMmtac2RPRmFaelJqcnZYTUFFLVRBdXlicm0xTS1mOTJkdnFocG1oMDFhakxrTjlMRHJheE9fTG4xeG5BZzRMS1JEZzRwQ08tb3JEaUdlRHY5VUk2MVEyOHpwcTRIM2I0NkF4LXdfamx2RHAyNVdlRl9oZGpSS1VMR2JwLU1uNW42bjFhLVg1VGYyR2tkcnI3Rmc5RThHaGVwUUlpWmtIQ2h2SDI40gGyAUFVX3lxTE5Lak9zSUhadVhiV2R5RkY5anEtekh2cVRnWVZmSGE0U3dtMWJFek9rN25JeC1jNjYtM1hLdUdwMlRGQmdvRkhHYThXRjBTUjBvRDJVVzRaR1NxbDhWd1B3NkZSdHBzNUFiTUxLZkZBUl9SUVRkMmdCcE5LRVhTRTNyTTktbUhfYWsxa2oxUHhQSGRQbnY3Vng5dUI2ZWczY3RhcXlFamhFTWZlVHRyNFJMX1E?oc=5) · WWLP
- 2026-07-30 [Monson Savings Bank donates $1K to Miracle League of Western Mass. - WWLP](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQWHBzMVdOaGFoNVBFNGo2MzdxendJQ21wMWc1RGtSQzBXRkh5bkFYQnYyemJVZm1CTWJDWkhIMlRMeVp3NWhTaWVkNDNDbHpqTTRsR293VVA2QkxsaEFGTEUzUkRxeklXU2ZlT25mSDR5ZVE0UUpvOXBnby1xci0zNVpSYzZQX0RNSnREa0JxRV8zU2dIMERmSzVNZ2kwVGJkX0ZGUHlWUjhGLWtWU1RPYTNhVXVkTWZ20gG-AUFVX3lxTFBkNFRLV3kyQnBhUUVsVGU2WDNrcGltVDlXSDN4UmJ5WGpoTldpOFdjbnBiTGk3ekxIa2NMREt0bVZQQWhaNUlCNFFDZE1IQTFMNkFDOHJ0NUUxRzM1eGYtd2dHRENxWmc4T0pBaUFkb3NzTkJ3TnVNUzlLcDI4VDZOLTBPaUxYREhCTkdaQWl6N2s0MXlMTkdBS2tCNnlUQ3ZoRTlYN0RqSWVJS29ITHRVclNKdG9WVXlhZnJSa1E?oc=5) · WWLP
- 2026-06-17 [Heather Arbour Earns Emerging Leader Award from Massachusetts Bankers Assoc. - BusinessWest](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQR3lYeXhXcWQyUk5fajR2WUZVR1VaSHprU1JnOUUwNGtJdWhuWVN5YXlhWjctNDJIYUNiOG5TTjI5bFFFalllaXhIc3E1Yml3ZnkzRS1TOEQtTUI0WWJzNDFRYk5pNWkxRHJ6aklsVDcwSTBLQVpxXzg0N1hXbUNjX1dLVHFyWXBvOFdaRmlraWdHa0FFZDlsc3hlV3JCYmRLbjdXcXRQZElkUQ?oc=5) · BusinessWest
- 2026-02-03 [WMass banks on the front line in battling high-tech fraud attempts - MassLive](https://news.google.com/rss/articles/CBMitwFBVV95cUxOLWJYN2toV05Oa2ItMTFCQmRNNkFUbTBDNzF4OUFqajlfQV83OUJPV2VlWVpya05EajJGTlFXTC03OXAzcWhlMWh6RUUySTFfNFd5ZkwtMlBoNHJEa1pjNXNsbXJBanhYRUVpNV94TnhPN1lzU0o1SFN3bjJWb1cxck5OVU53U2paODR2dUhuTmFNal96N09zMl9KakhJLUk1Sm56SGlmekFSYk1ZTi1hcVFLaFBfd0E?oc=5) · MassLive
- 2026-07-20 [Sefas Innovation Data Breach Lawsuit Investigation - Claim Depot](https://news.google.com/rss/articles/CBMigAFBVV95cUxNMmd2Ry1sX3ZWYVI5Yjc5SVdweWRzUElfV1Vta2xHdThKWXpHQzkwMThUeTJYX1Q2c3FPOFpZSHl1bURXbjVWeHVUWnlvcnpRd1Q3WUlObTB0Mm84bE5CZnNlaHNkZ1JuMk83VXlta2xSWVF5dkUzMzBYRGhmV2wwYQ?oc=5) · Claim Depot
- 2026-05-12 [Monson Savings Bank supports YWCA of Western Mass. with $100,000 contribution - WWLP](https://news.google.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?oc=5) · WWLP
- 2026-06-30 [Monson Savings Bank donates $2,500 to Springfield Ballers - WWLP](https://news.google.com/rss/articles/CBMirAFBVV95cUxPVzhaZ3hETU8tNHhPODVvVFhYR2J1MFZmTC04UUZaVThMc0hCUmFRbXF0UnU2Z2Znc3hVc1ZzU1l2MDhTcEI2b1I2TFhBUXZ6d0NzbzZFZi15WFZ0MWx5cUc5ZlgwcllNZFdYSGwwMjhKX0ZTRU1pS2E3MVF0Umo2V2N3QVhVRFJZMWU5Y2NKUXM2MGgyWThwQ2ZZWnJaYXV2Y2FaNkFzMGkxTGRG0gGyAUFVX3lxTE10OXZSTm1WRWpGMVJTRTNKU0dScm1tbGxNNEdVbl9rMzk3MFMzZW95UXMtSGZwbExRTzVZWE92YndKWGVjaVp3UFlZSVZEWEIzQTA0RTV0c0RySWdkMmtyU3E1NDIyMVRKdEpraE9QS184NW5qU2xMNW5Nd3NxdU9GUGw2S1dyTkRodmtXdV9wRVNoaGVuazBLUlZmelhDZk9xWmlPdUROS25oVkoyZGsxSFE?oc=5) · WWLP
- 2026-06-02 [Monson Savings Bank appoints Wendy Wakefield as Vice President, Director of Residential Lending - WWLP](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOWlpISkJRZDlKSmNWOVpScThpMWRweG85ZHNkc2VSQjVabXNVZU0zd1pXZnRXNkNLV2lfTkVzb0pVcWpOeUh5N21XVlUxNkJqYl9kLThBU3RDc2hDenhNblgzR1ktZVBzN0ZOaUZrYmdobEZUMmI5dWxvUEplMml5RE9TbHNwRDh3Y2tPZ2Vmb18xajVsdVF2OTZTbTFEZjF1a2JpS09UX1MxUzFsamJBQ05MU0JWVXZyZzZmLTI2cHB4R3EyM3YxdE5kTjluN0pieVN2bGp2V0Z3WExPVDVaWdIB5gFBVV95cUxNbTEzcFBzaG9CUzdVWXBvbFpNWm91cXc2bjVERU9wdVJCVm1fVW83V1ZMbEtndVBwZ1NDVkJYaXNxUFZ1ckFIemVFaXBjdnVPVGRvMUxBb0F6NkRWblFScEQ1MHlBMUh6SElBbDRhYm9zYmlNemZEX19KZVhKTkdRTXBiTXlpREtrTERtUTBBSmpLd2loU0dOZDNvNy13RTZtOGRfU21Rd1F6aFNXNmZnMTZJVVpFYUtTNk9CZjZfRmJMQ0lZYTRQX1had1lPWVlubWJ2VmhyRDVueXhoT0FFRUhiQi1SUQ?oc=5) · WWLP

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90245 (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/5.json (key "90245", 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