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Commonwealth Cooperative Bank

Hyde Park, MA · Cert 29842

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28 to 29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

76

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commonwealth Cooperative Bank

Hyde Park, MA · Cert 29842

State charter, Fed member · FED · 2 branches

Q2 2026

$205.0MAssets
$128.5MLoans
$140.6MDeposits
$28.2MEquity
Loan mix
99%RE $130.6M1%C&I $0.8M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $122.7M13%Noninterest $17.8MQ2 2025Q2 2026

NIM

4.64%Q2 ’244.74%Q2 ’254.60%Q2 ’26+7%+1%

Non-interest income vs. expense

2.30%Q2 ’242.37%Q2 ’252.19%Q2 ’26+3%-7%

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.0% share · #75 of 100 inst. · $0.1B of $580.3B

Executive Summary

  • Earnings: ROA of 0.37%, up 15 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 0.50% of loans (+26 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.31%, down 8 bps from a year ago.
  • Funding: loans stand at 91.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.67%+2 bps YoY

Efficiency Ratio (YTD, annualized)

78.96%-664 bps YoY

Tier 1 Leverage Ratio

16.31%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.27%0.26%0.33%0.37%+15 bps
Return on Equity1.77%2.09%2.00%2.44%2.73%+96 bps
Net Interest Margin2.66%2.63%2.65%2.65%2.67%+2 bps
Efficiency Ratio85.60%83.68%84.22%84.12%78.96%-664 bps
Non-Interest Burden2.26%2.18%2.22%2.22%2.09%-17 bps
Growth
Asset Growth (YoY)-0.29%-1.58%-4.34%3.39%1.42%+170 bps
Loan Growth (YoY)0.53%3.12%0.29%-0.51%-3.74%-427 bps
Deposit Growth (YoY)1.09%-1.35%-2.94%6.55%7.43%+634 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.24%0.56%0.49%0.50%+26 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.58%0.60%0.62%0.63%0.64%+6 bps
Allowance Coverage of NPLs2.4x2.5x1.1x1.3x1.3x-1.1x
Capital
Tier 1 Leverage Ratio16.38%16.20%16.44%16.29%16.31%-8 bps
Total Risk-Based Capital16.38%16.20%16.44%16.29%16.31%-8 bps
Equity / Assets13.33%13.60%13.65%13.42%13.78%+45 bps
Liquidity & Funding
Loans / Deposits101.98%104.18%98.77%94.82%91.38%-1,060 bps
Liquid Assets / Assets6.61%6.88%4.35%7.81%6.55%-6 bps
CRE / Total Capitaln/a118.70%110.75%113.16%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Commonwealth Cooperative Bank

Hyde Park, MA · Cert 29842 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

State charter, Fed member · FED · 2 branches

Q2 2026

$205.0MAssets
$128.5MLoans
$140.6MDeposits
$28.2MEquity

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: nonperforming loans / loans trails 79% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 24 of 29).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.37%

Rank 17 of 29

Net Interest Margin

2.67%

Rank 16 of 29

Efficiency Ratio

78.96%

Rank 8 of 29

Equity / Assets

13.78%

Rank 6 of 29

Non-interest income vs. expense

$0.2M$4.5MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 76% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 78.96%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.37%0.23%0.39%0.50%Beats 41%17 / 29
Return on Equity2.72%2.29%3.46%5.78%Beats 31%20 / 29
Net Interest Margin2.67%2.42%2.71%3.01%Beats 45%16 / 29
Efficiency Ratio78.96%78.96%84.14%93.09%Beats 76%8 / 29
Asset Quality
Nonperforming Loans / Loans0.50%0.03%0.13%0.43%Beats 21%24 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%15 / 29
Capital
Tier 1 Capital Ratio16.31%11.54%13.48%16.99%Beats 62%11 / 29
Total Risk-Based Capital Ratio16.31%11.54%14.44%17.87%Beats 62%11 / 29
Equity / Assets13.78%8.70%9.70%11.05%Beats 79%6 / 29
Liquidity & Funding
Loans / Deposits91.38%84.22%92.17%95.56%46th pctl15 / 28
Loans / Assets62.67%69.12%73.70%81.02%14th pctl25 / 29
Brokered Deposits / Depositsn/aNot reported for this institution