Massachusetts · Q2 2026

Worcester County, Massachusetts

ECredit pressureE on a scale where E is the highest pressure and A the lowest

1.1% of Worcester County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.

Counting institutions that are concentrated but do not meet the growth test, the share is 22%.

Rank

Outside the top 15

Full ranking is part of Desk

Exposed deposits vs Q1 2026

— no change

Coverage

Coverage 48% — full

Credit pressureAEleast exposed to most exposedNot rated, coverage under 25%Rated on low coverage

Hover or tap a county for its grade.

Banks behind this number

19 banks under $100B in assets with a branch here

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
Millbury National Bank	Millbury, MA	$0.1B	Above threshold	C1	100.0%
Savers Co-operative Bank	Southbridge, MA	$0.8B	Concentrated	300%+, growth test not met	100.0%
Clinton Savings Bank	Clinton, MA	$0.7B	Below	—	100.0%
Cornerstone Bank	Spencer, MA	$2.6B	Approaching	—	100.0%
Webster Five Cents Savings Bank	Webster, MA	$1.3B	Concentrated	300%+, growth test not met	100.0%
Bay State Savings Bank	Worcester, MA	$0.6B	Below	—	100.0%
UniBank for Savings	Whitinsville, MA	$3.1B	Below	—	96.2%
Milford Federal Bank	Milford, MA	$0.5B	Below	—	87.0%
Fidelity Co-operative Bank	Leominster, MA	$1.3B	Below	—	87.0%
Rollstone Bank & Trust	Fitchburg, MA	$0.8B	Concentrated	300%+, growth test not met	84.1%
North Brookfield Savings Bank	North Brookfield, MA	$0.4B	Below	—	70.0%
Bankhometown	Oxford, MA	$1.6B	Below	—	64.3%
Avidia Bank	Hudson, MA	$2.8B	Below	—	62.4%
Dean Co-operative Bank	Franklin, MA	$0.5B	Below	—	31.0%
Country Bank for Savings	Ware, MA	$2.2B	Approaching	—	27.6%
Charles River Bank	Medway, MA	$0.3B	Below	—	19.0%
Main Street Bank	Marlborough, MA	$1.7B	Below	—	14.6%
Middlesex Savings Bank	Natick, MA	$6.1B	Below	—	9.2%
Rockland Trust Company	Rockland, MA	$25B	Below	—	3.8%

Millbury National BankAbove threshold
Millbury, MA$0.1BC1100.0% of bank deposits
Savers Co-operative BankConcentrated
Southbridge, MA$0.8B300%+, growth test not met100.0% of bank deposits
Clinton Savings BankBelow
Clinton, MA$0.7B—100.0% of bank deposits
Cornerstone BankApproaching
Spencer, MA$2.6B—100.0% of bank deposits
Webster Five Cents Savings BankConcentrated
Webster, MA$1.3B300%+, growth test not met100.0% of bank deposits
Bay State Savings BankBelow
Worcester, MA$0.6B—100.0% of bank deposits
UniBank for SavingsBelow
Whitinsville, MA$3.1B—96.2% of bank deposits
Milford Federal BankBelow
Milford, MA$0.5B—87.0% of bank deposits
Fidelity Co-operative BankBelow
Leominster, MA$1.3B—87.0% of bank deposits
Rollstone Bank & TrustConcentrated
Fitchburg, MA$0.8B300%+, growth test not met84.1% of bank deposits
North Brookfield Savings BankBelow
North Brookfield, MA$0.4B—70.0% of bank deposits
BankhometownBelow
Oxford, MA$1.6B—64.3% of bank deposits
Avidia BankBelow
Hudson, MA$2.8B—62.4% of bank deposits
Dean Co-operative BankBelow
Franklin, MA$0.5B—31.0% of bank deposits
Country Bank for SavingsApproaching
Ware, MA$2.2B—27.6% of bank deposits
Charles River BankBelow
Medway, MA$0.3B—19.0% of bank deposits
Main Street BankBelow
Marlborough, MA$1.7B—14.6% of bank deposits
Middlesex Savings BankBelow
Natick, MA$6.1B—9.2% of bank deposits
Rockland Trust CompanyBelow
Rockland, MA$25B—3.8% of bank deposits

A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.

What this means

1 of the 19 banks under $100B in assets with a branch in Worcester County is above a regulatory CRE concentration threshold, and it holds 1.1% of the county deposits this report covers. Another 3 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 22%. 2 more sit within one quarter of a threshold.

Coverage is 48%: the rest of the deposits in Worcester County sit in banks above the $100B threshold, which this report does not evaluate. Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.

Calculation v1 · Call report Q2 2026 · Summary of Deposits 2025 · Universe: banks under $100B in assets · Methodology

Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.

Nothing on this page is investment advice.