SBT Bancorp, Inc. is a bank holding company headquartered in Southbridge, Massachusetts, and operates through its wholly owned subsidiary, Southbridge Savings Bank. The company provides a full spectrum of banking services to individual, business and institutional clients across central Massachusetts and northeastern Connecticut. Its deposit offerings include checking and savings accounts, money market accounts and certificates of deposit, while its lending portfolio comprises commercial and industrial term loans, commercial real estate financing, residential mortgage loans and consumer installment loans.
In addition to traditional deposit and lending services, SBT Bancorp offers specialized financial products designed to meet the needs of local businesses and agricultural enterprises. The bank provides Small Business Administration (SBA) loan programs, construction and development financing, and equipment leasing. It also supports cash management services, online and mobile banking platforms, remote deposit capture and merchant services to help clients streamline their day-to-day operations.
Founded in 1871, Southbridge Savings Bank has built a reputation for community banking with deep roots in its service area. Over the years, the company has expanded its branch network to serve clients in Worcester, Hampden, Norfolk and New London counties, while maintaining its commitment to personalized, local decision-making. The bank regularly partners with municipal organizations and participates in community development initiatives to support affordable housing, small business growth and economic revitalization in the region.
The company is overseen by a board of directors and led by President and Chief Executive Officer William J. Donahue, supported by a senior management team with decades of combined experience in banking and finance. Under their guidance, SBT Bancorp continues to focus on building long-term customer relationships, enhancing digital delivery channels and maintaining sound credit quality. The firm’s strategic priorities include expanding market share through organic growth, investing in technology and sustaining its legacy of community engagement.
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