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Methuen Co-operative Bank

Methuen, MA · Cert 26512 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

SI · FDIC · 1 branch

Q2 2026

$141.3MAssets
$107.3MLoans
$127.6MDeposits
$13.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 15 of 29).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 28 of 29).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.45%

Rank 9 of 29

Net Interest Margin

3.04%

Rank 7 of 29

Efficiency Ratio

81.40%

Rank 9 of 29

Equity / Assets

9.43%

Rank 16 of 29

Non-interest income vs. expense

$0.1M$3.6MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 72% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 81.40%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.45%0.23%0.39%0.50%Beats 69%9 / 29
Return on Equity4.79%2.29%3.46%5.78%Beats 62%11 / 29
Net Interest Margin3.04%2.42%2.71%3.01%Beats 76%7 / 29
Efficiency Ratio81.40%78.96%84.14%93.09%Beats 72%9 / 29
Asset Quality
Nonperforming Loans / Loans1.05%0.03%0.13%0.43%Beats 7%28 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%15 / 29
Capital
Tier 1 Capital Ratio9.36%11.54%13.48%16.99%Beats 3%28 / 29
Total Risk-Based Capital Ratio9.36%11.54%14.44%17.87%Beats 3%28 / 29
Equity / Assets9.43%8.70%9.70%11.05%Beats 45%16 / 29
Liquidity & Funding
Loans / Deposits84.11%84.22%92.17%95.56%21st pctl22 / 28
Loans / Assets75.95%69.12%73.70%81.02%55th pctl13 / 29
Brokered Deposits / Depositsn/aNot reported for this institution