Call reports 2026
BAY STATE SAVINGS BANK — 2026
What BAY STATE SAVINGS BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 585,390,000 | 580,268,000 |
| Total loans | 471,959,000 | 489,710,000 |
| Allowance for loan losses | 4,307,000 | 4,302,000 |
| Securities available for sale | 41,153,000 | 40,033,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 524,020,000 | 513,713,000 |
| Interest-bearing deposits | 394,722,000 | 400,985,000 |
| Noninterest-bearing deposits | 129,298,000 | 112,728,000 |
| Equity capital | 51,332,000 | 52,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 6,927,000 | 13,918,000 |
| Interest expense | 2,373,000 | 4,753,000 |
| Net interest income | 4,554,000 | 9,165,000 |
| Noninterest income | 342,000 | 742,000 |
| Noninterest expense | 4,059,000 | 8,083,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 772,000 | 1,964,000 |
| Income tax | 189,000 | 480,000 |
| Net income | 583,000 | 1,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 49,481,000 | 50,347,000 |
| Total capital | 54,076,000 | 54,937,000 |
| Risk-weighted assets | 437,024,000 | 448,106,000 |