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Walpole Co-operative Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26487

Designations: ✓ Mutual

Walpole, 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 +2.3% year over year ($509.2M on the books).
  • Delinquency rate 0.11%.
  • Return on assets 1.13%.
  • Efficiency ratio 57.21% vs a 64.48% peer average.
  • Loan-to-deposit ratio 107.87% 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) →

Walpole Co-operative Bank has 2 strengths but faces 5 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

  • + Efficiency Ratio 7.27% below tier average
  • + Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 13.9% in tier
  • - Non-Interest-Bearing Deposit Share 12.74% below tier average
  • - Non-Interest Income / Assets 0.56% below tier average
  • - ROA 0.19% below tier average
  • - Net Interest Margin 0.16% below tier average
Get updates when Walpole 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 ? $646.5M
+1.1% YoY -0.5% QoQ
+$259.9M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
84%
Total Loans ? $549.3M
+2.8% YoY +1.6% QoQ
+$290.9M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
Top 8.1% in tier
Total Deposits ? $509.2M
+2.3% YoY -0.7% QoQ
+$182.5M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? 1.13%
+94.6% YoY +4.8% QoQ
-0.19% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
43%
Net Interest Margin ? 3.82%
+30.3% YoY +2.4% QoQ
-0.16% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
44%
Efficiency Ratio ? 57.21%
-21.6% YoY -1.5% QoQ
-7.27% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 0.11%
-77.6% YoY -69.4% QoQ
-0.80% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 107.87%
+0.5% YoY +2.3% QoQ
+29.91% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
Bottom 4.3% in tier
Non-Interest-Bearing Deposit Share ? 9.29%
+4.2% YoY -9.6% QoQ
-12.74% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
Bottom 9.3% in tier
Nonperforming Asset Ratio ? 0.10%
-77.2% YoY -68.8% QoQ
-0.57% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 18.82%
+3.8% YoY +1.1% QoQ
+2.91% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.01%
-86.4% YoY +115.8% QoQ
-0.56% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
Bottom 0.9% 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 9.3%
+0.4pp YoY
-1.0pp QoQ
 -12.9pp 22.1% 16.2% 22.2% 9%
Brokered Deposits 4.9%
-1.2pp YoY
0.0pp QoQ
 -2.9pp 7.9% 6.1% 8.5% 51%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 1.8%
-0.1pp YoY
0.0pp QoQ
 -9.8pp 11.6% 6.5% 12.5% 6%
CRE 75.3%
-1.2pp YoY
+0.2pp QoQ
 +35.8pp 39.5% 40.3% 41.4% 96%
1-4 Family 24.2%
+1.4pp YoY
-0.2pp QoQ
 -8.4pp 32.6% 52.4% 31.3% 39%
Consumer n/a n/a 4.1% 1.6% 5.0% n/a

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 18.8%
+0.7pp YoY
+0.2pp QoQ
 +6.7pp 12.2% 11.5% 12.6% 95%
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 41
0 YoY
+2 (+5.1%) QoQ
 -18 58 755 482 42%
Assets per Employee ($) $15.8M
+1.1% YoY
-5.3% QoQ
 +$8.2M $7.5M $10.7M $8.8M 98%
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%
-0.4pp YoY
-0.3pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 20%
Allowance Coverage 11.39x
+353.0% YoY
+231.2% QoQ
 -12.76x 24.15x 7.95x 20.23x 83%
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 6.0%
+2.8pp YoY
+0.2pp QoQ
 -6.2pp 12.2% 5.6% 11.6% 17%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 2.0% 1.7% 78%
Net Income ($, YTD) $3.6M
+98.7% YoY
— QoQ
 +$1.1M $2.6M $31.7M $40.4M 77%

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 (1)

Liquidity Overhang

risk
#104 of 742 • Bottom 13.9% 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: 18.82%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 107.87%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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 (4 metrics)

214
Total Loans
size
Value: $549.28M
Peer Median: $258.35M
#214 of 2643 Top 8.1% in $100M-$1B
426
Total Assets
size
Value: $646.47M
Peer Median: $386.57M
#426 of 2643 Top 16.1% in $100M-$1B
435
Tier 1 Capital Ratio
capital
Value: 18.82%
Peer Median: 15.91%
#435 of 2643 Top 16.4% in $100M-$1B
507
Total Deposits
size
Value: $509.22M
Peer Median: $326.73M
#507 of 2643 Top 19.1% in $100M-$1B

Top Weaknesses (3 metrics)

2620
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.57%
#2620 of 2643 Bottom 0.9% in $100M-$1B
2531
Loan-to-Deposit Ratio
liquidity
Value: 107.87%
Peer Median: 77.95%
#2531 of 2643 Bottom 4.3% in $100M-$1B
2399
Non-Interest-Bearing Deposit Share
funding
Value: 9.29%
Peer Median: 22.03%
#2399 of 2643 Bottom 9.3% in $100M-$1B
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