Country Bank (MA)

Overview / Commentary
75 Main Street
Ware, MA 01082

Country Bank (MA) is headquartered in WARE and is the 29th largest bank in the state of Massachusetts. It is also the 616th largest bank in the nation. It was established in 1850 and as of December of 2023, it had grown to 211 employees at 12 locations. Country Bank (MA)'s CD rates are 5X the national average, and it has a B+ health rating.

Reviews (1)

Country Bank Cares

Posted by: |

My husband and I both do the majority of our banking with Country Bank, and we intend to do our mortgage with them when we buy a home. My husband has been with them for a long time, but I am a more recent customer. I used to be with a national bank chain that started charging fees left and right, and this bank already would not allow me to bank inside with the tellers without paying a fee. Country Bank still has free checking and savings accounts that do not require a minimum daily balance. They also have pretty good customer service. The tellers are friendly, and the customer service over the phone has been good. Although the bank is local and not always where I need it, they do charge no ATM fees for using SUM network ATMS. My only complaint is the layout of their website, but I would not expect such a local bank to have the same technology as the national chains.


Health Grade Components

FDIC Certificate #23992
Year Established1850
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD5%
Annual Interest Income$79.4MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.86B$1.66B
LoansQ4 2023vs Q4 2022$1.43B$1.27B
DepositsQ4 2023vs Q4 2022$1.34B$1.34B
Equity CapitalQ4 2023vs Q4 2022$277.8MM$256.3MM
Loan Loss AllowanceQ4 2023vs Q4 2022$14.2MM$14.6MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$20MM$4.1MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Country Bank (MA); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Country Bank (MA) Savings Account Rates

0.75%*-$100kKasasa Saver
OTHER TIERS: 0.10% $100k+
0.10%$10-Regular Savings
0.10%$10-Choice Savings

Country Bank (MA) Money Market Rates

0.35%*$100k*-Money Market Account
OTHER TIERS: 0.05% $10 - $1k | 0.10% $1k - $10k | 0.15% $10k - $50k | 0.25% $50k - $100k

Country Bank (MA) Checking Account Rates

0.75%*-$20kKasasa Cash Checking
OTHER TIERS: 0.05% $20k+

Country Bank (MA) CD Rates

4.33%$500-1 Year CD
4.07%$500-2 Year CD
3.82%$500-3 Year CD
3.56%$500-4 Year CD
3.30%$500-5 Year CD
0.40%$500-9 Month CD
0.10%$500-3 Month CD
0.10%$500-6 Month CD

Country Bank (MA) IRA Rates

4.33%$500-1 Year IRA
4.07%$500-2 Year IRA
3.82%$500-3 Year IRA
3.56%$500-4 Year IRA
3.30%$500- 5 Year IRA
0.40%$500-9 Month IRA
0.10%$500-3 Month IRA
0.10%$500-6 Month IRA


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