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
Unfavorable gap of $4.3M · efficiency ratio beats 76% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.23% | 0.39% | 0.50% | Beats 41% | 17 / 29 | |
| Return on Equity | 2.72% | 2.29% | 3.46% | 5.78% | Beats 31% | 20 / 29 | |
| Net Interest Margin | 2.67% | 2.42% | 2.71% | 3.01% | Beats 45% | 16 / 29 | |
| Efficiency Ratio | 78.96% | 78.96% | 84.14% | 93.09% | Beats 76% | 8 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.03% | 0.13% | 0.43% | Beats 21% | 24 / 29 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 15 / 29 | |
| Capital |
| Tier 1 Capital Ratio | 16.31% | 11.54% | 13.48% | 16.99% | Beats 62% | 11 / 29 | |
| Total Risk-Based Capital Ratio | 16.31% | 11.54% | 14.44% | 17.87% | Beats 62% | 11 / 29 | |
| Equity / Assets | 13.78% | 8.70% | 9.70% | 11.05% | Beats 79% | 6 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 91.38% | 84.22% | 92.17% | 95.56% | 46th pctl | 15 / 28 | |
| Loans / Assets | 62.67% | 69.12% | 73.70% | 81.02% | 14th pctl | 25 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |