Bay State Savings Bank
Worcester, MA · Insured depository institution
Sonar Score
Caution
out of 100 · from public FDIC data
Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $585.4M
- Total deposits
- $524M
- Branches
- 7
- Return on assets
- 0.40%
- Return on equity
- 4.56%
- Charter type
- Insured depository institution
- Established
- 1895
- FDIC cert #
- 90311
How the 45 breaks down
Capital ratio not reported.
Thin profitability.
Positive but moderate equity returns.
Community-scale institution.
Your deposits at Bay State Savings Bank
Bay State Savings Bank is an FDIC-insured institution (Cert #90311). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
7 branch locations
28 Franklin St
Worcester, MA 01608
374 Burncoat St
Worcester, MA 01606
275 Mill St
Worcester, MA 01602
628 Main St
Holden, MA 01520
123 Auburn St
Auburn, MA 01501
799 Grafton Streeet
Worcester, MA 01608
50 Boston Tpke
Shrewsbury, MA 01545
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