Millbury Savings Bank earns 5-star rating from independent firm
MILLBURY, MASSACHUSETTS, April 27, 2009 — For the 77th consecutive quarter, Millbury Savings Bank earned the prestigious 5-star rating from BauerFinancial, Inc., a leading independent bank and credit union rating firm.

“We’re proud to have earned the coveted ‘Superior’ rating once again,” said William J. Walsh, Millbury Savings Bank’s president and chief executive officer. “In this time of national economic uncertainty, it’s truly a testament to our bank’s strength, stability, and longevity.”

BauerFinancial’s rating system is based on a scale of zero to five stars, with five stars awarded to the strongest performing banks. The organization reports that just over half, or 55 percent, of the banks it rates nationally were “recommended” institutions, having received 5-star (Superior) or 4-star (Excellent) ratings based on December 2008 financial results. That’s down from more than 70 percent of banks at the end of December 2007.

BauerFinancial’s analysis is conducted using financial data from quarterly call reports submitted to federal banking regulators and is compared with historical data for consistency. Among the criteria used to determine a particular bank`s rating is its capital ratio, profitability/loss trend, level of delinquent loans, charge-offs and repossessed assets, market versus book value of its investment portfolio, regulatory supervisory agreements, community reinvestment rating (CRA), historical data, and liquidity.

About BauerFinancial, Inc.
BauerFinancial, Inc., of Coral Gables, Florida, is the nation's leading independent bank rating firm, and has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No bank pays for its rating, nor can any bank elude it. Consumers may obtain free star ratings by calling 800-388-6686 or visiting www.bauerfinancial.com.

About Millbury Savings Bank
Millbury Savings Bank, with assets of more than $190 million, is a full-service, community-based, mutual savings bank with two offices located in Millbury. Established in 1854, the bank offers an array of savings and loan products for individuals, families, and small to mid-size businesses within Central Massachusetts. All deposits are insured by the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF).

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