Bank · FDIC insured
Country Bank for Savings
A $2.2B bank headquartered in Ware, MA, with 16 branches in Massachusetts. Best rates: CDs 3.82% and savings 3.30% APY.
Country Bank for Savings Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#17 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Country Bank for Savings
Founded in 1850, Country Bank is headquartered in Ware, Massachusetts.
- Headquarters
- 155 West St, Ware, MA 01082
- FDIC certificate
- 23992 ↗
Branches
16 branches in Massachusetts
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Massachusetts
16 branches
Worcester area · 8
- Charlton Branch37 Worcester Rd, Charlton, MA 01507Directions
- 1084 Main Street Branch1084 Main St, Leicester, MA 01524Directions
- Paxton Branch687 Pleasant St, Paxton, MA 01612Directions
- Country Bank Uxbridge Branch158 North Main Street, Uxbridge, MA 01569Directions
- West Brookfield Branch8 W Main St, West Brookfield, MA 01585Directions
- Country Bank Grafton St. Branch1393 Grafton St., Worcester, MA 01604Directions
- Country Bank Tatnuck Sq. Branch638 Chandler St, Worcester, MA 01602Directions
- Worcester Branch278 Park Ave, Worcester, MA 01609Directions
Springfield area · 6
- Brimfield Branch9 Main St Side, Brimfield, MA 01010Directions
- Country Bank Longmeadow Branch919 Shaker Rd, Longmeadow, MA 01106Directions
- Ludlow Branch64 Cherry St, Ludlow, MA 01056Directions
- Palmer Branch1485 N Main St, Palmer, MA 01069Directions
- Country Bank Springfield Branch1500 Main St, Springfield, MA 01115Directions
- Wilbraham Branch2379 Boston Rd, Wilbraham, MA 01095Directions
Amherst Town area · 2
- Country Bank for SavingsMain office155 West St, Ware, MA 01082Directions
- North Main Street Branch21 N Main St, Belchertown, MA 01007Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.84% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.14% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.81% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $102 | $88 | — |
- CapitalLeverage ratio14.84%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.14%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.81%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$102Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Country Bank for Savings are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.