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Everett Co-operative Bank

$1B-$10B Specialty: Commercial MA FDIC cert 26444

Designations: ✓ Community bank

Everett, MA

3 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
  • Deposits +11.3% year over year ($1.2B on the books).
  • Delinquency rate 0.10%.
  • Return on assets 0.77%.
  • Efficiency ratio 56.47% vs a 59.73% peer average.
  • Loan-to-deposit ratio 115.77% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Everett Co-operative Bank has 2 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 33.5% in tier
  • + Efficiency Ratio 3.26% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.9% in tier
  • - Credit Risk Growth: Bottom 34.6% in tier
  • - Net Interest Margin 1.40% below tier average
  • - Loan-to-Deposit Ratio 30.73% above tier average
  • - Non-Interest-Bearing Deposit Share 12.72% below tier average
  • - Non-Interest Income / Assets 0.49% below tier average
  • - ROA 0.62% below tier average
Get updates when Everett Co-operative Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $1.7B
+10.3% YoY +1.3% QoQ
-$1.1B $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $1.4B
+8.6% YoY +0.1% QoQ
-$570.0M $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $1.2B
+11.3% YoY -0.6% QoQ
-$1.1B $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 0.77%
+112.1% YoY +1.7% QoQ
-0.62% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 2.47%
+24.1% YoY +0.1% QoQ
-1.40% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 4.3% in tier
Efficiency Ratio ? 56.47%
-17.6% YoY -0.4% QoQ
-3.26% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 0.10%
+4.2% YoY +18.1% QoQ
-0.76% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
Top 12.4% in tier
Loan-to-Deposit Ratio ? 115.77%
-2.5% YoY +0.7% QoQ
+30.73% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
Bottom 3.2% in tier
Non-Interest-Bearing Deposit Share ? 8.55%
+5.1% YoY +28.8% QoQ
-12.72% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
Bottom 8.6% in tier
Nonperforming Asset Ratio ? 0.09%
+2.5% YoY +16.8% QoQ
-0.59% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
Top 13.7% in tier
Tier 1 Capital Ratio ? 13.94%
+1.7% YoY +2.5% QoQ
-0.90% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.04%
-8.4% YoY +91.1% QoQ
-0.49% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
Bottom 2.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 8.6%
+0.4pp YoY
+1.9pp QoQ
 -12.8pp 21.4% 16.2% 22.2% 8%
Brokered Deposits 10.6%
-0.9pp YoY
-2.0pp QoQ
 +1.1pp 9.5% 6.1% 8.5% 71%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 0.2%
-0.7pp YoY
-0.3pp QoQ
 -13.8pp 14.0% 6.5% 12.5% 1%
CRE 61.5%
+0.6pp YoY
+0.4pp QoQ
 +11.5pp 50.0% 40.3% 41.4% 78%
1-4 Family 39.0%
+0.2pp YoY
-0.1pp QoQ
 +12.5pp 26.4% 52.4% 31.3% 80%
Consumer 0.0%
-0.1pp YoY
0.0pp QoQ
 -4.7pp 4.7% 1.6% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 13.9%
+0.2pp YoY
+0.3pp QoQ
 -1.7pp 15.6% 16.6% 19.7% 57%
Leverage Ratio 9.8%
-0.2pp YoY
0.0pp QoQ
 -1.5pp 11.3% 11.5% 12.6% 31%
Total Capital Ratio 14.9%
+0.2pp YoY
+0.4pp QoQ
 -1.8pp 16.7% 17.5% 20.8% 54%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 67
+2 (+3.1%) YoY
+1 (+1.5%) QoQ
 -247 313 755 482 2%
Assets per Employee ($) $24.9M
+7.0% YoY
-0.2% QoQ
 +$14.5M $10.5M $10.7M $8.8M 96%
Branch Count 3
0 YoY
0 QoQ
 -17 20 13 18 8%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.8% 0.8% 1.0% 12%
Allowance Coverage 7.04x
-8.5% YoY
-16.9% QoQ
 -11.67x 18.71x 7.95x 20.23x 83%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.1% 0.2% 17%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 8.0%
+4.4pp YoY
+0.1pp QoQ
 -4.6pp 12.6% 5.6% 11.6% 19%
Cost of Funds (YTD) 3.0%
-0.2pp YoY
0.0pp QoQ
 +1.1pp 1.9% 2.0% 1.7% 96%
Net Income ($, YTD) $6.3M
+138.3% YoY
— QoQ
 -$12.9M $19.2M $31.7M $40.4M 18%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#75 of 221 • Top 33.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.10%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#20 of 492 • Bottom 3.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.10%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#140 of 402 • Bottom 34.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

110
Delinquency Rate
credit_quality
Value: 0.10%
Peer Median: 0.87%
#110 of 882 Top 12.4% in $1B-$10B
122
Nonperforming Asset Ratio
credit_quality
Value: 0.09%
Peer Median: 0.67%
#122 of 885 Top 13.7% in $1B-$10B

Top Weaknesses (5 metrics)

862
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.53%
#862 of 885 Bottom 2.7% in $1B-$10B
858
Loan-to-Deposit Ratio
liquidity
Value: 115.77%
Peer Median: 85.04%
#858 of 885 Bottom 3.2% in $1B-$10B
848
Net Interest Margin
profitability
Value: 2.47%
Peer Median: 3.87%
#848 of 885 Bottom 4.3% in $1B-$10B
810
Non-Interest-Bearing Deposit Share
funding
Value: 8.55%
Peer Median: 21.27%
#810 of 885 Bottom 8.6% in $1B-$10B
734
Return on Assets
profitability
Value: 0.77%
Peer Median: 1.39%
#734 of 885 Bottom 17.2% in $1B-$10B
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