Mechanics Cooperative Bank
Taunton, MA · Cert 26634 · Peer group: banks under $1B in assets (n=581-629) · Mountainone Financial MHC
SI · FDIC · 1 affiliate bank · 10 branches (16 in holding)
Q2 2026
$898.8MAssets
$745.9MLoans
$679.6MDeposits
$118.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets (rank 101 of 581).
- Widest gap: net charge-offs / loans trails 76% of banks under $1B in assets (rank 441 of 581).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.21%
Rank 230 of 629
Net Interest Margin
4.10%
Rank 144 of 629
Efficiency Ratio
61.54%
Rank 201 of 629
Equity / Assets
13.19%
Rank 182 of 629
Non-interest income vs. expense
Unfavorable gap of $20.7M · efficiency ratio beats 68% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.60% | 1.01% | 1.45% | Beats 63% | 230 / 629 | |
| Return on Equity | 9.20% | 5.38% | 9.30% | 13.28% | Beats 48% | 325 / 629 | |
| Net Interest Margin | 4.10% | 3.03% | 3.54% | 4.05% | Beats 77% | 144 / 629 | |
| Efficiency Ratio | 61.54% | 58.35% | 67.79% | 79.08% | Beats 68% | 201 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.46% | 1.20% | Beats 83% | 101 / 581 | |
| Net Charge-Offs / Loans | 0.07% | n/a | 0.01% | 0.06% | Beats 24% | 441 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.38% | 11.24% | 13.84% | 18.77% | Beats 54% | 287 / 629 | |
| Total Risk-Based Capital Ratio | 15.37% | 11.58% | 14.43% | 19.66% | Beats 56% | 276 / 629 | |
| Equity / Assets | 13.19% | 9.09% | 10.65% | 13.80% | Beats 71% | 182 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 109.75% | 67.24% | 80.90% | 93.48% | 95th pctl | 29 / 594 | |
| Loans / Assets | 82.99% | 53.31% | 67.71% | 78.15% | 88th pctl | 77 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |