Walpole Co-operative Bank
Walpole, MA · Cert 26487 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)
State charter, Fed member · FED · 1 branch
Q2 2026
$646.5MAssets
$556.5MLoans
$509.2MDeposits
$122.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 1 of 29).
- Widest gap: nonperforming loans / loans trails 45% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 14 of 29).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.13%
Rank 3 of 29
Net Interest Margin
3.70%
Rank 2 of 29
Efficiency Ratio
57.21%
Rank 1 of 29
Equity / Assets
18.98%
Rank 3 of 29
Non-interest income vs. expense
Unfavorable gap of $13.6M · efficiency ratio beats 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.23% | 0.39% | 0.50% | Beats 90% | 3 / 29 | |
| Return on Equity | 5.95% | 2.29% | 3.46% | 5.78% | Beats 76% | 7 / 29 | |
| Net Interest Margin | 3.70% | 2.42% | 2.71% | 3.01% | Beats 93% | 2 / 29 | |
| Efficiency Ratio | 57.21% | 78.96% | 84.14% | 93.09% | Beats 100% | 1 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.03% | 0.13% | 0.43% | Beats 55% | 14 / 29 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 15 / 29 | |
| Capital |
| Tier 1 Capital Ratio | 18.82% | 11.54% | 13.48% | 16.99% | Beats 79% | 6 / 29 | |
| Total Risk-Based Capital Ratio | 18.82% | 11.54% | 14.44% | 17.87% | Beats 76% | 7 / 29 | |
| Equity / Assets | 18.98% | 8.70% | 9.70% | 11.05% | Beats 90% | 3 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 109.28% | 84.22% | 92.17% | 95.56% | 86th pctl | 4 / 28 | |
| Loans / Assets | 86.08% | 69.12% | 73.70% | 81.02% | 90th pctl | 3 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |