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Cooperative Bank, The

Roslindale, MA · Cert 26922 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

SI · FDIC · 4 branches

Q2 2026

$548.3MAssets
$463.4MLoans
$457.8MDeposits
$48.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 15 of 29).
  • Widest gap: return on assets trails 90% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 26 of 29).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.06%

Rank 26 of 29

Net Interest Margin

2.77%

Rank 14 of 29

Efficiency Ratio

97.16%

Rank 26 of 29

Equity / Assets

8.79%

Rank 21 of 29

Non-interest income vs. expense

$1.3M$15.7MINCOMEEXPENSE
Unfavorable gap of $14.4M · efficiency ratio beats 14% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 97.16%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.06%0.23%0.39%0.50%Beats 10%26 / 29
Return on Equity0.63%2.29%3.46%5.78%Beats 14%25 / 29
Net Interest Margin2.77%2.42%2.71%3.01%Beats 52%14 / 29
Efficiency Ratio97.16%78.96%84.14%93.09%Beats 14%26 / 29
Asset Quality
Nonperforming Loans / Loans0.57%0.03%0.13%0.43%Beats 17%25 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%15 / 29
Capital
Tier 1 Capital Ratio12.94%11.54%13.48%16.99%Beats 41%17 / 29
Total Risk-Based Capital Ratio13.98%11.54%14.44%17.87%Beats 45%16 / 29
Equity / Assets8.79%8.70%9.70%11.05%Beats 28%21 / 29
Liquidity & Funding
Loans / Deposits101.22%84.22%92.17%95.56%82nd pctl5 / 28
Loans / Assets84.52%69.12%73.70%81.02%86th pctl4 / 29
Brokered Deposits / Depositsn/aNot reported for this institution