Country Bank for Savings: how it compares with its peers
Against 31 MA banks with half to twice its assets, Country Bank for Savings's strongest measure in Q2 2026 is return on assets (0.81% vs. a 0.71% peer median). Its weakest relative measure is assets per employee ($9.3M vs. $10.5M).
| Measure | Country Bank for Savings | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 0.71% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.39% | 3.10% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.99% | 71.49% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $10.5M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.58% | 94.05% | Context |
What it means for lending operations
Its efficiency ratio of 69.99% is better than the 71.49% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Village Bank Newton, MA · $2.07B
- TruNorth Bank Easthampton, MA · $2.02B
- Florence Bank Florence, MA · $2.01B
- South Shore Bank South Weymouth, MA · $2.52B
- The Lowell Five Cent Savings Bank Tewksbury, MA · $1.90B
- Cornerstone Bank Spencer, MA · $2.57B
Questions about Country Bank for Savings
How big is Country Bank for Savings?
Country Bank for Savings, established in 1850, is headquartered in Ware, MA. It reported $2.24B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Country Bank for Savings's return on assets?
0.81% annualized in Q2 2026, against a 0.71% median for 31 MA banks with half to twice its assets, ahead of 77% of them.
What is Country Bank for Savings's efficiency ratio?
69.99% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 71.49%, and lower is better.
Is Country Bank for Savings growing its loans?
Net loans grew 4.6% over the year to Q2 2026, while deposits grew 15.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.