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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 75thStandingRank8-Qtr TrendPeer 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