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Canton Co-operative Bank

$100M-$1B Specialty: Mortgage MA FDIC cert 26450

Designations: ✓ Mutual

Canton, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
  • Deposits -5.6% year over year ($127.2M on the books).
  • Delinquency rate 0.07%.
  • Return on assets 0.41%.
  • Efficiency ratio 81.53% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.43% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 39 in MA
View $100M-$1B leaderboard (MA) →

Canton Co-operative Bank has 1 strength but faces 6 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

  • + Delinquency Rate 0.85% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 10.3% in tier
  • - Liquidity Overhang: Bottom 22.5% in tier
  • - Non-Interest-Bearing Deposit Share 14.23% below tier average
  • - ROA 0.91% below tier average
  • - Net Interest Margin 0.90% below tier average
  • - Efficiency Ratio 17.05% above tier average
Get updates when Canton 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 ? $154.8M
-3.7% YoY +0.7% QoQ
-$231.7M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $107.4M
+8.0% YoY +3.6% QoQ
-$151.0M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $127.2M
-5.6% YoY +0.5% QoQ
-$199.5M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
Bottom 14.6% in tier
Return on Assets ? 0.41%
+45.1% QoQ
-0.91% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 10.1% in tier
Net Interest Margin ? 3.08%
+17.0% YoY +6.3% QoQ
-0.90% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 12.1% in tier
Efficiency Ratio ? 81.53%
-17.4% YoY -6.5% QoQ
+17.05% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 12.1% in tier
Delinquency Rate ? 0.07%
-91.5% YoY -3.5% QoQ
-0.85% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
77%
Loan-to-Deposit Ratio ? 84.43%
+14.4% YoY +3.1% QoQ
+6.48% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 7.80%
-13.1% YoY +54.6% QoQ
-14.23% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
Bottom 6.7% in tier
Nonperforming Asset Ratio ? 0.05%
-90.5% YoY -0.7% QoQ
-0.62% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 22.29%
-4.6% YoY -1.3% QoQ
+6.39% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
Top 10.0% in tier
Non-Interest Income / Assets ? 0.09%
+106.2% YoY +81.2% QoQ
-0.48% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
Bottom 14.8% 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 7.8%
-1.2pp YoY
+2.8pp QoQ
 -14.3pp 22.1% 16.2% 22.2% 6%
Brokered Deposits 11.1%
-1.7pp YoY
-0.1pp QoQ
 +3.2pp 7.9% 6.1% 8.5% 78%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 0.3%
0.0pp YoY
0.0pp QoQ
 -11.3pp 11.6% 6.5% 12.5% 1%
CRE 19.1%
+3.3pp YoY
+0.2pp QoQ
 -20.4pp 39.5% 40.3% 41.4% 16%
1-4 Family 78.0%
-1.6pp YoY
+0.2pp QoQ
 +45.4pp 32.6% 52.4% 31.3% 96%
Consumer 3.3%
-1.7pp YoY
-0.4pp QoQ
 -0.8pp 4.1% 1.6% 5.0% 63%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 22.3%
-1.1pp YoY
-0.3pp QoQ
 +3.5pp 18.8% 16.6% 19.7% 84%
Leverage Ratio 15.3%
+0.9pp YoY
+0.2pp QoQ
 +3.1pp 12.2% 11.5% 12.6% 88%
Total Capital Ratio 23.0%
-1.1pp YoY
-0.3pp QoQ
 +3.0pp 19.9% 17.5% 20.8% 82%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 15
-2 (-11.8%) YoY
-2 (-11.8%) QoQ
 -44 58 755 482 4%
Assets per Employee ($) $10.3M
+9.1% YoY
+14.1% QoQ
 +$2.8M $7.5M $10.7M $8.8M 87%
Branch Count 1
0 YoY
0 QoQ
 -4 4 13 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.1%
-0.7pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 14%
Allowance Coverage 10.03x
+1037.2% YoY
+3.7% QoQ
 -14.12x 24.15x 7.95x 20.23x 82%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 3.0%
+2.7pp YoY
+0.9pp QoQ
 -9.2pp 12.2% 5.6% 11.6% 8%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
-0.1pp QoQ
 +0.1pp 1.7% 2.0% 1.7% 62%
Net Income ($, YTD) $321,000
+970.0% YoY
— QoQ
 -$2.2M $2.6M $31.7M $40.4M 7%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline
#56 of 535 • Bottom 10.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#168 of 742 • Bottom 22.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 22.29%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 84.43%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

264
Tier 1 Capital Ratio
capital
Value: 22.29%
Peer Median: 15.91%
#264 of 2643 Top 10.0% in $100M-$1B
551
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.67%
#551 of 2643 Top 20.8% in $100M-$1B
595
Delinquency Rate
credit_quality
Value: 0.07%
Peer Median: 0.92%
#595 of 2633 Top 22.6% in $100M-$1B

Top Weaknesses (8 metrics)

2468
Non-Interest-Bearing Deposit Share
funding
Value: 7.80%
Peer Median: 22.03%
#2468 of 2643 Bottom 6.7% in $100M-$1B
2377
Return on Assets
profitability
Value: 0.41%
Peer Median: 1.32%
#2377 of 2643 Bottom 10.1% in $100M-$1B
2325
Efficiency Ratio
profitability
Value: 81.53%
Peer Median: 64.48%
#2325 of 2643 Bottom 12.1% in $100M-$1B
2324
Net Interest Margin
profitability
Value: 3.08%
Peer Median: 3.99%
#2324 of 2643 Bottom 12.1% in $100M-$1B
2259
Total Deposits
size
Value: $127.19M
Peer Median: $326.73M
#2259 of 2643 Bottom 14.6% in $100M-$1B
2252
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2252 of 2643 Bottom 14.8% in $100M-$1B
2234
Total Assets
size
Value: $154.82M
Peer Median: $386.57M
#2234 of 2643 Bottom 15.5% in $100M-$1B
2084
Total Loans
size
Value: $107.39M
Peer Median: $258.35M
#2084 of 2643 Bottom 21.2% in $100M-$1B
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