What changed in this filing

/stocks — the workspaceLOADING

Item 2. Properties

2025-03-10 compared with 2024-03-08 · 30 added, 72 removed, 45 unchanged (69% of the section changed)

The Company currently

conducts business through our twenty-five banking offices, ten free-standing ATMs and an additional fourteen free-standing and

thirty-three seasonal or temporary ATMs that are owned and serviced by a third party, whereby the Bank pays a rental fee and shares

in the surcharge revenue.

The following table sets forth certain information regarding our properties as of December 31, 2023.

As of this date, the premises and equipment, net of depreciation, owned by us had an aggregate net book value of $25.6 million.

Company currently conducts business through our twenty-five banking offices, eight free-standing ATMs and an additional fourteen

free-standing and thirty-three seasonal or temporary ATMs that are owned and serviced by a third party, whereby the Bank pays

a rental fee and shares in the surcharge revenue.

The following table sets forth certain information regarding our properties

as of December 31, 2024.

As of this date, the premises and equipment, net of depreciation, owned by us had an aggregate net book

value of $24.4 million.

We believe that our existing facilities are sufficient for our current needs.

Year of Lease or License Expiration

141 Elm Street

Westfield, MA

of Lease or License Expiration

Technology Center:

Chapel Street

Westfield, MA

Retail Lending:

136 Elm Street

Westfield, MA

Commercial Lending & Middle Market:

1500 Main Street

Springfield, MA

Commercial Lending/Credit Admin and Training Center:

Commercial Lending/Credit

Admin and Training Center:

Exchange Street

Branch Offices:

206 Park Street

West Springfield, MA

655 Main Street

Springfield, MA

Arnold Street

Westfield, MA

Southampton Road

Westfield, MA

College Highway

Southwick, MA

North Main Street

East Longmeadow, MA

1500 Main Street

Springfield, MA

Year of Lease or License Expiration

Longmeadow, MA

of Lease or License Expiration

Northampton Street

East Main Street

Westfield, MA

South Westfield Street

Feeding Hills, MA

East Granby Road

Palomba Drive

39 Morgan Road

West Springfield, MA

1342 Liberty Street (1)

Springfield, MA

Liberty Street (1)

Center Street

569 East Street

Memorial Drive

435 Burnett Road

477A Center Street

350 Palmer Road

Center Street

Willamansett Street

South Hadley, MA

14 Russell Road

Huntington, MA

Cottage Grove Road

Bloomfield, CT

Farmington Avenue

West Hartford, CT

Year of Lease or License Expiration

516 Carew Street

Springfield, MA

1000 State Street

Springfield, MA

of Lease or License Expiration

Memorial Avenue

West Springfield, MA

Springfield, MA

Westfield Street

West Springfield, MA

Tenant at will

Springfield, MA

Southwick Road

Westfield, MA

West Silver Street

Westfield, MA

Tenant at will

Lower Westfield Road

Westfield State University

State University

Western Avenue

Westfield, MA

Tenant at will

College Highway

Southwick, MA

Cherry Street

1 unchanged sentence

Springfield Street

Tenant at will

Springfield Visitors Center

1319 Main Street

Springfield, MA

Union Station

Visitors Center

Murray Street

Springfield, MA

Center Street

Tenant at will

627 Randall Road

Tenant at will

Central Street

West Springfield, MA

Tenant at will

Springfield, MA

Southampton Road

Westfield, MA

Year of Lease or License Expiration

of Lease or License Expiration

Memorial Avenue

West Springfield, MA

Springfield, MA

Better Living Center

Better Living Center (Door 6)

Better Living Center

Big E Coliseum

2 unchanged sentences

_____________________________

(1) The parking lot on this property is leased.

parking lot on this property is leased.

The lease expires in 2028.

(2) Thirty-three of the Bank’s ATMs are seasonal and not listed individually above.

of the seasonal ATMs are located on the Big E grounds during events and one additional ATM is located in Westfield.

(2) Thirty-three

of the Bank’s ATMs are seasonal and not listed individually above.

Thirty-two of

the seasonal ATMs are located on the Big E grounds during events and one additional ATM

is located in Westfield.

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-K

Item 2. Properties