Call report 2025Q4
BAY STATE SAVINGS BANK — 2025Q4
The 22 measures BAY STATE SAVINGS BANK reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 571,932,000 | USD | evidence → |
| Total loans | 469,845,000 | USD | evidence → |
| Allowance for loan losses | 4,335,000 | USD | evidence → |
| Securities available for sale | 42,424,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 510,452,000 | USD | evidence → |
| Interest-bearing deposits | 395,181,000 | USD | evidence → |
| Noninterest-bearing deposits | 115,271,000 | USD | evidence → |
| Equity capital | 51,006,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 25,905,000 | USD | evidence → |
| Interest expense | 10,180,000 | USD | evidence → |
| Net interest income | 15,725,000 | USD | evidence → |
| Noninterest income | 1,704,000 | USD | evidence → |
| Noninterest expense | 15,141,000 | USD | evidence → |
| Provision for loan losses | -70,000 | USD | evidence → |
| Pretax income | 2,691,000 | USD | evidence → |
| Income tax | 596,000 | USD | evidence → |
| Net income | 2,095,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 48,945,000 | USD | evidence → |
| Total capital | 53,568,000 | USD | evidence → |
| Risk-weighted assets | 431,669,000 | USD | evidence → |