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Dean Co-operative Bank

Franklin, MA · Cert 27269 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

SI · FDIC · 4 branches

Q2 2026

$494.3MAssets
$355.7MLoans
$420.6MDeposits
$33.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 6 of 29).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 28 of 29).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.39%

Rank 15 of 29

Net Interest Margin

3.06%

Rank 6 of 29

Efficiency Ratio

86.55%

Rank 19 of 29

Equity / Assets

6.71%

Rank 28 of 29

Non-interest income vs. expense

$3.2M$15.9MINCOMEEXPENSE
Unfavorable gap of $12.8M · efficiency ratio beats 38% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 86.55%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.39%0.23%0.39%0.50%Beats 48%15 / 29
Return on Equity5.78%2.29%3.46%5.78%Beats 72%8 / 29
Net Interest Margin3.06%2.42%2.71%3.01%Beats 79%6 / 29
Efficiency Ratio86.55%78.96%84.14%93.09%Beats 38%19 / 29
Asset Quality
Nonperforming Loans / Loans0.13%0.03%0.13%0.43%Beats 52%15 / 29
Net Charge-Offs / Loans0.03%n/a0.00%0.00%Beats 3%29 / 29
Capital
Tier 1 Capital Ratio13.42%11.54%13.48%16.99%Beats 45%16 / 29
Total Risk-Based Capital Ratio14.44%11.54%14.44%17.87%Beats 48%15 / 29
Equity / Assets6.71%8.70%9.70%11.05%Beats 3%28 / 29
Liquidity & Funding
Loans / Deposits84.58%84.22%92.17%95.56%29th pctl20 / 28
Loans / Assets71.96%69.12%73.70%81.02%31st pctl20 / 29
Brokered Deposits / Depositsn/aNot reported for this institution