Reading Co-operative Bank

Reading, MA · Cert 26620 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27)

State charter, Fed member · FED · 13 branches

Q2 2026

$1.2BAssets

$969.4MLoans

$1.0BDeposits

$77.0MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 93% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 3 of 27).
Widest gap: equity / assets trails 100% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 27 of 27).
Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.42%

Rank 22 of 27

Net Interest Margin

3.20%

Rank 8 of 27

Efficiency Ratio

80.79%

Rank 23 of 27

Equity / Assets

6.49%

Rank 27 of 27

Unfavorable gap of $29.4M · efficiency ratio beats 19% of banks $1B-$10B 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	0.42%	0.48%	0.78%	0.99%	Beats 19%	22 / 27
Return on Equity	6.48%	5.50%	7.06%	8.20%	Beats 37%	17 / 27
Net Interest Margin	3.20%	2.49%	2.70%	3.34%	Beats 70%	8 / 27
Efficiency Ratio	80.79%	59.27%	68.19%	75.85%	Beats 19%	23 / 27
Asset Quality
Nonperforming Loans / Loans	0.06%	0.20%	0.58%	1.15%	Beats 93%	3 / 27
Net Charge-Offs / Loans	0.05%	0.00%	0.01%	0.05%	Beats 26%	21 / 27
Capital
Tier 1 Capital Ratio	10.61%	13.21%	14.69%	16.81%	Beats 4%	26 / 27
Total Risk-Based Capital Ratio	11.33%	13.71%	15.43%	18.07%	Beats 4%	26 / 27
Equity / Assets	6.49%	9.62%	11.14%	13.14%	Beats 0%	27 / 27
Liquidity & Funding
Loans / Deposits	95.46%	91.42%	101.19%	107.11%	33rd pctl	18 / 27
Loans / Assets	81.67%	75.31%	80.56%	83.39%	59th pctl	11 / 27
Brokered Deposits / Deposits	n/a	Not reported for this institution