What is The Savings Bank's financial health grade?

The Savings Bank has a TFS Financial Health Grade of D- (score: 60.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Savings Bank have?

The Savings Bank has 9 branch locations across the United States.

Is The Savings Bank FDIC insured?

Yes, The Savings Bank is FDIC insured (Certificate #90291).

What are the total assets of The Savings Bank?

The Savings Bank has total assets of $873.4M as reported in its most recent FDIC filing.

The Savings Bank

BankWakefield, Massachusetts

www.tsbdirect.bank

Total Assets

$873.4M

Total Deposits

$766.4M

Branches

Established

1869

TFS Health Grade

D-

60.5 / 100

Below average financial health

How we grade

The Savings Bank is a bank headquartered in Wakefield, Massachusetts, established in 1869. With $873.4M in total assets and 9 branch locations, it has a TFS Financial Health Grade of D- (60.5/100).

Capital & Safety

Tier 1 Capital Ratio

9.67%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.15%

Profitability

Return on Assets (ROA)

0.17%(1%)

Return on Equity (ROE)

1.76%(10%)

Net Interest Margin

2.57%

Efficiency Ratio

93.37%(60%)

Lending & Liquidity

Total Loans

$626.4M

Loan-to-Deposit Ratio

81.13%

Net Charge-Off Ratio

0.54%

Growth

Asset Growth (YoY)

+5.64%

Deposit Growth (YoY)

+4.69%

Net Income

$1.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Savings BankHQ	357 Main St	Wakefield	MA	11
The Savings Bank	84 Main St	Andover	MA	11
The Savings Bank	584 Main St	Lynnfield	MA	11
The Savings Bank	1105 Summer St	Lynnfield	MA	11
The Savings Bank	17 Burnham Rd	Methuen	MA	11
The Savings Bank	6 Washington St	North Reading	MA	11
The Savings Bank	60 Farm St	Wakefield	MA	29
The Savings Bank	599 North Ave	Wakefield	MA	11
The Savings Bank	907 Main St	Wakefield	MA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.