Wrentham Co-operative Bank

Wrentham, MA · Cert 26576 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

SI · FDIC · 3 branches

Q2 2026

$192.6MAssets

$118.5MLoans

$175.8MDeposits

$16.2MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 6 of 29).
Widest gap: return on assets trails 93% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 27 of 29).
Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.04%

Rank 27 of 29

Net Interest Margin

1.89%

Rank 26 of 29

Efficiency Ratio

98.00%

Rank 27 of 29

Equity / Assets

8.41%

Rank 24 of 29

Unfavorable gap of $3.6M · efficiency ratio beats 10% 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
Earnings
Return on Assets	0.04%	0.23%	0.39%	0.50%	Beats 7%	27 / 29
Return on Equity	0.53%	2.29%	3.46%	5.78%	Beats 10%	26 / 29
Net Interest Margin	1.89%	2.42%	2.71%	3.01%	Beats 10%	26 / 29
Efficiency Ratio	98.00%	78.96%	84.14%	93.09%	Beats 10%	27 / 29
Asset Quality
Nonperforming Loans / Loans	0.00%	0.03%	0.13%	0.43%	Beats 100%	6 / 29
Net Charge-Offs / Loans	0.00%	n/a	0.00%	0.00%	Beats 100%	15 / 29
Capital
Tier 1 Capital Ratio	20.38%	11.54%	13.48%	16.99%	Beats 83%	5 / 29
Total Risk-Based Capital Ratio	20.92%	11.54%	14.44%	17.87%	Beats 83%	5 / 29
Equity / Assets	8.41%	8.70%	9.70%	11.05%	Beats 17%	24 / 29
Liquidity & Funding
Loans / Deposits	67.39%	84.22%	92.17%	95.56%	4th pctl	27 / 28
Loans / Assets	61.50%	69.12%	73.70%	81.02%	10th pctl	26 / 29
Brokered Deposits / Deposits	n/a	Not reported for this institution