Savers Co-operative Bank: how it compares with its peers
Against 39 MA banks with half to twice its assets, Savers Co-operative Bank's strongest measure in Q2 2026 is efficiency ratio (70.90% vs. a 76.71% peer median). Its weakest relative measure is net interest margin (3.13% vs. 3.06%).
| Measure | Savers Co-operative Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.68% | 0.57% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.13% | 3.06% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.90% | 76.71% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.7M | $8.6M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 107.40% | 92.71% | Context |
What it means for lending operations
Its efficiency ratio of 70.90% is better than the 76.71% 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 Bank of Canton Canton, MA · $783M
- Monson Savings Bank Monson, MA · $806M
- Rollstone Bank & Trust Fitchburg, MA · $816M
- Clinton Savings Bank Clinton, MA · $745M
- Eagle Bank Everett, MA · $709M
- The Savings Bank Wakefield, MA · $891M
Questions about Savers Co-operative Bank
How big is Savers Co-operative Bank?
Savers Co-operative Bank, established in 1910, is headquartered in Southbridge, MA. It reported $783M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Savers Co-operative Bank's return on assets?
0.68% annualized in Q2 2026, against a 0.57% median for 39 MA banks with half to twice its assets, ahead of 64% of them.
What is Savers Co-operative Bank's efficiency ratio?
70.90% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 76.71%, and lower is better.
Is Savers Co-operative Bank growing its loans?
Net loans shrank 0.7% over the year to Q2 2026, while deposits grew 1.5%.
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.