Pittsfield Co-operative Bank
Pittsfield, MA · Cert 26393 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 5 branches
Q2 2026
$451.5MAssets
$346.3MLoans
$327.7MDeposits
$55.6MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 79% of banks under $1B in assets operating in a single state (rank 155 of 746).
- Widest gap: efficiency ratio trails 95% of banks under $1B in assets operating in a single state (rank 707 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.20%
Rank 694 of 746
Net Interest Margin
2.83%
Rank 654 of 746
Efficiency Ratio
93.62%
Rank 707 of 746
Equity / Assets
12.32%
Rank 223 of 746
Non-interest income vs. expense
Unfavorable gap of $11.8M · efficiency ratio beats 5% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.20% | 0.72% | 1.06% | 1.45% | Beats 7% | 694 / 746 | | |
| Return on Equity | 1.59% | 6.74% | 10.51% | 13.63% | Beats 7% | 697 / 746 | | |
| Net Interest Margin | 2.83% | 3.17% | 3.68% | 4.16% | Beats 12% | 654 / 746 | | |
| Efficiency Ratio | 93.62% | 55.74% | 64.58% | 75.47% | Beats 5% | 707 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.42% | 1.07% | Beats 56% | 331 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 57% | 322 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 18.63% | 11.55% | 13.75% | 17.60% | Beats 79% | 155 / 746 | | |
| Total Risk-Based Capital Ratio | 19.36% | 11.71% | 14.33% | 18.43% | Beats 79% | 156 / 746 | | |
| Equity / Assets | 12.32% | 8.90% | 10.51% | 13.06% | Beats 70% | 223 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 105.66% | 61.31% | 78.27% | 90.78% | 95th pctl | 37 / 746 | | |
| Loans / Assets | 76.70% | 53.60% | 66.97% | 76.08% | 77th pctl | 171 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |