PackageTrendsPeer
Letter portraitLegal landscape

North Cambridge Co-operative Bank

Cambridge, MA · Cert 26567 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

SI · FDIC · 1 branch

Q2 2026

$87.1MAssets
$45.0MLoans
$60.3MDeposits
$25.3MEquity

Return on Assets

0.15%

Rank 23 of 29

Net Interest Margin

2.96%

Rank 10 of 29

Efficiency Ratio

95.80%

Rank 24 of 29

Equity / Assets

29.00%

Rank 2 of 29

Non-interest income vs. expense

$0.1M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 21% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 95.80%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets0.15%0.23%0.39%0.50%Beats 21%23 / 29
Net Interest Margin2.96%2.42%2.71%3.01%Beats 66%10 / 29
Nonperforming Loans / Loans0.00%0.03%0.13%0.43%Beats 100%6 / 29
Tier 1 Capital Ratio64.52%11.54%13.48%16.99%Beats 93%2 / 29
Equity / Assets29.00%8.70%9.70%11.05%Beats 93%2 / 29
Loans / Assets51.65%69.12%73.70%81.02%3rd pctl28 / 29