PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Stoughton Co-operative Bank

Stoughton, MA · Cert 26513

State charter, Fed member · FED · 1 branch

Q2 2026

$135.2MAssets
$107.9MLoans
$117.1MDeposits
$12.7MEquity
Loan mix
93%RE $102.4M4%C&I $4.7M2%Consumer $2.6MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $109.2M7%Noninterest $7.9MQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #79 of 100 inst. · $0.1B of $580.3B

Executive Summary

  • Earnings: ROA of 0.73%, up 16 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.00% of loans (-14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.00%, up 39 bps from a year ago.
  • Funding: loans stand at 92.17% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.73%+16 bps YoY

Net Interest Margin (quarter, annualized)

2.82%+18 bps YoY

Efficiency Ratio (quarter, annualized)

66.96%-624 bps YoY

Tier 1 Leverage Ratio

10.00%+39 bps YoY

NIM

3.98%Q2 ’244.39%Q2 ’254.47%Q2 ’26+20%+7%

Non-interest income vs. expense

2.36%Q2 ’242.06%Q2 ’251.99%Q2 ’26-12%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.19%0.50%0.57%0.51%0.44%0.68%0.73%+16 bps
Return on Equity2.11%2.18%5.87%6.53%5.74%4.86%7.34%7.81%+128 bps
Net Interest Margin2.17%2.22%2.40%2.65%2.59%2.84%2.77%2.82%+18 bps
Efficiency Ratio90.83%57.53%75.15%73.20%77.35%80.90%69.89%66.96%-624 bps
Non-Interest Burden1.96%0.63%1.76%1.89%1.97%2.28%1.88%1.84%-5 bps
Growth
Asset Growth (YoY)5.90%5.66%5.63%3.98%3.59%3.09%0.70%2.84%-113 bps
Loan Growth (YoY)5.58%3.67%6.35%5.63%5.55%6.72%2.22%0.68%-495 bps
Deposit Growth (YoY)4.85%5.22%4.60%2.68%1.50%0.62%-1.86%0.53%-216 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.14%0.14%0.14%0.00%0.00%0.00%0.00%-14 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.66%0.71%0.68%0.68%0.68%0.67%0.67%0.68%0 bps
Allowance Coverage of NPLs4.5x5.0x5.0x5.0xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.57%9.32%9.42%9.61%9.60%9.61%9.84%10.00%+39 bps
Total Risk-Based Capital9.57%9.32%9.42%9.61%9.60%9.61%9.84%10.00%+39 bps
Equity / Assets8.63%8.47%8.63%8.86%9.01%9.14%9.31%9.41%+54 bps
Liquidity & Funding
Loans / Deposits88.78%87.98%90.48%92.02%92.31%93.31%94.25%92.17%+14 bps
Liquid Assets / Assets7.65%7.66%6.03%4.90%6.56%6.36%5.99%7.86%+296 bps
CRE / Total Capitaln/an/an/an/a33.46%40.24%41.79%n/an/a