IMPORTANT: The OARS Portal is strictly for the use of Massachusetts Division of Banks chartered banks and credit unions. Other corporations seeking to file annual or other reports should contact the Secretary of the Commonwealth of Massachusetts.

If you are a new user, please see your institution's Annual Report Admin to obtain a login ID and password.

Contact the Division of Banks at


Important: Before You Begin

OARS Portal Requirements

  1. Internet Explorer 11, Chrome 95, Microsoft Edge 95, and Firefox 93 (After logging in, please refer to the User Guide for troubleshooting tips)
  2. Adobe Reader, downloadable for free here