Fidelity Co-operative Bank
Leominster, MA · Cert 26451 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Mutual Bcorp
SI · FDIC · 1 affiliate bank · 13 branches (36 in holding)
Q2 2026
$1.3BAssets
$962.5MLoans
$1.1BDeposits
$161.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 81% of banks $1B-$10B in assets operating in a single state (rank 49 of 258).
- Widest gap: nonperforming loans / loans trails 99% of banks $1B-$10B in assets operating in a single state (rank 257 of 258).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.83%
Rank 209 of 258
Net Interest Margin
4.00%
Rank 49 of 258
Efficiency Ratio
74.74%
Rank 218 of 257
Equity / Assets
12.36%
Rank 50 of 258
Non-interest income vs. expense
Unfavorable gap of $37.1M · efficiency ratio beats 16% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.93% | 1.23% | 1.54% | Beats 19% | 209 / 258 | |
| Return on Equity | 6.68% | 9.26% | 11.84% | 14.74% | Beats 13% | 225 / 258 | |
| Net Interest Margin | 4.00% | 3.16% | 3.49% | 3.88% | Beats 81% | 49 / 258 | |
| Efficiency Ratio | 74.74% | 51.71% | 60.30% | 69.65% | Beats 16% | 218 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.44% | 0.19% | 0.46% | 0.90% | Beats 1% | 257 / 258 | |
| Net Charge-Offs / Loans | 0.94% | 0.01% | 0.02% | 0.07% | Beats 3% | 252 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 9.86% | 11.41% | 12.98% | 15.12% | Beats 6% | 242 / 258 | |
| Total Risk-Based Capital Ratio | 9.86% | 12.10% | 13.91% | 16.08% | Beats 6% | 242 / 258 | |
| Equity / Assets | 12.36% | 9.09% | 10.24% | 11.72% | Beats 81% | 50 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 86.27% | 73.24% | 86.34% | 95.95% | 49th pctl | 131 / 258 | |
| Loans / Assets | 73.47% | 63.01% | 72.27% | 78.40% | 54th pctl | 118 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |