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Everett Co-operative Bank

Everett, MA · Cert 26444 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Ecb Bcorp Inc.

SI · FDIC · 3 branches

Q2 2026

$1.7BAssets
$1.4BLoans
$1.2BDeposits
$162.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 89% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 4 of 27).
  • Widest gap: net interest margin trails 89% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 24 of 27).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.76%

Rank 15 of 27

Net Interest Margin

2.38%

Rank 24 of 27

Efficiency Ratio

56.47%

Rank 4 of 27

Equity / Assets

9.73%

Rank 20 of 27

Non-interest income vs. expense

$1.3M$22.9MINCOMEEXPENSE
Unfavorable gap of $21.6M · efficiency ratio beats 89% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 56.47%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.76%0.48%0.78%0.99%Beats 44%15 / 27
Return on Equity7.77%5.50%7.06%8.20%Beats 63%10 / 27
Net Interest Margin2.38%2.49%2.70%3.34%Beats 11%24 / 27
Efficiency Ratio56.47%59.27%68.19%75.85%Beats 89%4 / 27
Asset Quality
Nonperforming Loans / Loans0.10%0.20%0.58%1.15%Beats 89%4 / 27
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 81%6 / 27
Capital
Tier 1 Capital Ratio13.94%13.21%14.69%16.81%Beats 44%15 / 27
Total Risk-Based Capital Ratio14.90%13.71%15.43%18.07%Beats 44%15 / 27
Equity / Assets9.73%9.62%11.14%13.14%Beats 26%20 / 27
Liquidity & Funding
Loans / Deposits116.62%91.42%101.19%107.11%89th pctl3 / 27
Loans / Assets83.97%75.31%80.56%83.39%78th pctl6 / 27
Brokered Deposits / Depositsn/aNot reported for this institution