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Savers Co-operative Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26455

Designations: ✓ Mutual

Southbridge, MA

7 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
  • Deposits +1.5% year over year ($562.3M on the books).
  • Delinquency rate 3.70%.
  • Return on assets 0.68%.
  • Efficiency ratio 70.90% vs a 64.48% peer average.
  • Loan-to-deposit ratio 107.40% 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) →

Savers Co-operative Bank faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 12.1% in tier
  • - Liquidity Strain: Bottom 47.2% in tier
  • - Delinquency Rate 2.78% above tier average
  • - Nonperforming Asset Ratio 2.18% above tier average
  • - ROA 0.64% below tier average
  • - Net Interest Margin 0.86% below tier average
  • - Efficiency Ratio 6.43% above tier average
Get updates when Savers 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 ? $783.2M
-0.5% YoY -1.8% QoQ
+$396.6M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
Top 8.7% in tier
Total Loans ? $603.9M
-0.7% YoY -1.8% QoQ
+$345.6M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
Top 5.9% in tier
Total Deposits ? $562.3M
+1.5% YoY -1.1% QoQ
+$235.6M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
85%
Return on Assets ? 0.68%
+318.9% YoY +0.4% QoQ
-0.64% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
18%
Net Interest Margin ? 3.13%
+13.8% YoY +2.1% QoQ
-0.86% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 13.7% in tier
Efficiency Ratio ? 70.90%
-6.5% YoY -1.6% QoQ
+6.43% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
28%
Delinquency Rate ? 3.70%
+173.3% YoY +53.2% QoQ
+2.78% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
Bottom 4.1% in tier
Loan-to-Deposit Ratio ? 107.40%
-2.2% YoY -0.6% QoQ
+29.44% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
Bottom 4.6% in tier
Non-Interest-Bearing Deposit Share ? 15.90%
-1.3% YoY +3.8% QoQ
-6.13% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 2.85%
+165.0% YoY +53.3% QoQ
+2.18% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
Bottom 3.7% in tier
Tier 1 Capital Ratio ? 11.30%
+3.0% YoY +2.5% QoQ
-4.61% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.22%
+2.3% YoY +94.1% QoQ
-0.34% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
56%

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 15.9%
-0.2pp YoY
+0.6pp QoQ
 -6.2pp 22.1% 16.2% 22.2% 27%
Brokered Deposits 6.0%
+2.5pp YoY
-0.5pp QoQ
 -1.9pp 7.9% 6.1% 8.5% 58%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 5.9%
-0.4pp YoY
+0.3pp QoQ
 -5.6pp 11.6% 6.5% 12.5% 25%
CRE 58.4%
+0.1pp YoY
-0.2pp QoQ
 +18.8pp 39.5% 40.3% 41.4% 82%
1-4 Family 35.6%
+1.1pp YoY
+0.2pp QoQ
 +2.9pp 32.6% 52.4% 31.3% 63%
Consumer 1.5%
-0.7pp YoY
-0.1pp QoQ
 -2.6pp 4.1% 1.6% 5.0% 39%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.6% 19.7% n/a
Leverage Ratio 11.3%
+0.3pp YoY
+0.3pp QoQ
 -0.9pp 12.2% 11.5% 12.6% 55%
Total Capital Ratio n/a n/a 19.9% 17.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 81
-5 (-5.8%) YoY
-3 (-3.6%) QoQ
 +22 58 755 482 77%
Assets per Employee ($) $9.7M
+5.6% YoY
+1.9% QoQ
 +$2.2M $7.5M $10.7M $8.8M 84%
Branch Count 7
0 YoY
0 QoQ
 +2 4 13 18 75%

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 3.7%
+2.3pp YoY
+1.3pp QoQ
 +2.8pp 0.9% 0.8% 1.0% 96%
Allowance Coverage 0.38x
-57.5% YoY
-31.4% QoQ
 -23.78x 24.15x 7.95x 20.23x 5%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 63%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 6.7%
+5.0pp YoY
-0.1pp QoQ
 -5.5pp 12.2% 5.6% 11.6% 20%
Cost of Funds (YTD) 2.1%
-0.1pp YoY
-0.1pp QoQ
 +0.3pp 1.7% 2.0% 1.7% 74%
Net Income ($, YTD) $2.7M
+325.3% YoY
— QoQ
 +$137K $2.6M $31.7M $40.4M 65%

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)

Flatlined Growth

risk
#65 of 529 • Bottom 12.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.68%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Liquidity Strain

risk
#327 of 691 • Bottom 47.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 107.40%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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)

157
Total Loans
size
Value: $603.92M
Peer Median: $258.35M
#157 of 2643 Top 5.9% in $100M-$1B
232
Total Assets
size
Value: $783.18M
Peer Median: $386.57M
#232 of 2643 Top 8.7% in $100M-$1B
399
Total Deposits
size
Value: $562.34M
Peer Median: $326.73M
#399 of 2643 Top 15.1% in $100M-$1B

Top Weaknesses (5 metrics)

2547
Nonperforming Asset Ratio
credit_quality
Value: 2.85%
Peer Median: 0.67%
#2547 of 2643 Bottom 3.7% in $100M-$1B
2527
Delinquency Rate
credit_quality
Value: 3.70%
Peer Median: 0.92%
#2527 of 2633 Bottom 4.1% in $100M-$1B
2522
Loan-to-Deposit Ratio
liquidity
Value: 107.40%
Peer Median: 77.95%
#2522 of 2643 Bottom 4.6% in $100M-$1B
2282
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.99%
#2282 of 2643 Bottom 13.7% in $100M-$1B
2167
Return on Assets
profitability
Value: 0.68%
Peer Median: 1.32%
#2167 of 2643 Bottom 18.0% in $100M-$1B
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