MA lenders / Community Bank
Bay State Savings Bank
Community Bank · Worcester, MA · 1895 Mhc
- Total assets
- $585.4M
- CRE loan book
- $173.5M
- QoQ CRE growth
- -0.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.19% as of Q1 2026 — TX bank median 4.87% (0.33pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.19% | 5.27% |
| Q4 2025 | 5.10% | 5.19% |
| Q3 2025 | 4.95% | 4.99% |
| Q2 2025 | 4.88% | 4.94% |
| Q1 2025 | 4.80% | 4.85% |
| Q4 2024 | 4.92% | 4.95% |
| Q3 2024 | 4.82% | 4.86% |
| Q2 2024 | 4.71% | 4.74% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $173.5M | $20.0M | $42.9M | 230% | $0 |
| Q4 2025 | $173.9M | $18.8M | $46.4M | 232% | $0 |
| Q3 2025 | $170.7M | $16.7M | $46.4M | 237% | $0 |
| Q2 2025 | $166.7M | $15.8M | $46.8M | 235% | $0 |
| Q1 2025 | $160.4M | $13.9M | $51.9M | 227% | $0 |
| Q4 2024 | $157.9M | $11.5M | $52.1M | 224% | $0 |
| Q3 2024 | $164.3M | $17.5M | $44.9M | 231% | $0 |
| Q2 2024 | $166.4M | $25.2M | $37.1M | 234% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.