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Stoughton Co-operative Bank

$100M-$1B Specialty: Mortgage MA FDIC cert 26513

Designations: ✓ Mutual

Stoughton, 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 +0.5% year over year ($117.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.70%.
  • Efficiency ratio 68.42% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.54% 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) →

Stoughton Co-operative Bank has 2 strengths 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 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 8.7% in tier
  • - Capital Thin: Bottom 25.0% in tier
  • - Net Interest Margin 1.06% below tier average
  • - Non-Interest-Bearing Deposit Share 15.30% below tier average
  • - ROA 0.62% below tier average
  • - Efficiency Ratio 3.94% above tier average
Get updates when Stoughton 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 ? $135.2M
+2.8% YoY +0.7% QoQ
-$251.4M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
Bottom 9.5% in tier
Total Loans ? $107.2M
+0.7% YoY -1.6% QoQ
-$151.2M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $117.1M
+0.5% YoY +0.6% QoQ
-$209.7M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
Bottom 10.7% in tier
Return on Assets ? 0.70%
+30.6% YoY +3.8% QoQ
-0.62% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
19%
Net Interest Margin ? 2.92%
+10.2% YoY +1.1% QoQ
-1.06% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 8.1% in tier
Efficiency Ratio ? 68.42%
-7.7% YoY -2.1% QoQ
+3.94% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 91.54%
+0.2% YoY -2.2% QoQ
+13.59% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 6.74%
+19.4% YoY -3.5% QoQ
-15.30% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
Bottom 5.4% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 10.00%
+4.1% YoY +1.6% QoQ
-5.91% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
Bottom 10.7% in tier
Non-Interest Income / Assets ? 0.08%
-7.8% YoY +86.7% QoQ
-0.49% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
Bottom 13.2% 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 6.7%
+1.1pp YoY
-0.2pp QoQ
 -15.4pp 22.1% 16.2% 22.2% 5%
Brokered Deposits n/a n/a 7.9% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 4.1%
-0.2pp YoY
-0.2pp QoQ
 -7.5pp 11.6% 6.5% 12.5% 15%
CRE 5.1%
0.0pp QoQ
 -34.4pp 39.5% 40.3% 41.4% 1%
1-4 Family 89.3%
-0.3pp YoY
+0.3pp QoQ
 +56.6pp 32.6% 52.4% 31.3% 98%
Consumer 2.2%
-0.6pp YoY
-0.1pp QoQ
 -1.9pp 4.1% 1.6% 5.0% 51%

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 10.0%
+0.4pp YoY
+0.2pp QoQ
 -2.2pp 12.2% 11.5% 12.6% 31%
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 15
0 YoY
0 QoQ
 -44 58 755 482 4%
Assets per Employee ($) $9.0M
+2.8% YoY
+0.7% QoQ
 +$1.5M $7.5M $10.7M $8.8M 79%
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 n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 7.95x 20.23x n/a
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 7.6%
+1.4pp YoY
+0.2pp QoQ
 -4.6pp 12.2% 5.6% 11.6% 23%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 2.0% 1.7% 52%
Net Income ($, YTD) $474,000
+33.5% YoY
— QoQ
 -$2.1M $2.6M $31.7M $40.4M 10%

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)

Liquidity Strain

risk
#61 of 691 • Bottom 8.7% 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: 91.54%
(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

Capital Thin

risk
#166 of 661 • Bottom 25.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.00%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (9 metrics)

2500
Non-Interest-Bearing Deposit Share
funding
Value: 6.74%
Peer Median: 22.03%
#2500 of 2643 Bottom 5.4% in $100M-$1B
2430
Net Interest Margin
profitability
Value: 2.92%
Peer Median: 3.99%
#2430 of 2643 Bottom 8.1% in $100M-$1B
2392
Total Assets
size
Value: $135.15M
Peer Median: $386.57M
#2392 of 2643 Bottom 9.5% in $100M-$1B
2360
Tier 1 Capital Ratio
capital
Value: 10.00%
Peer Median: 15.91%
#2360 of 2643 Bottom 10.7% in $100M-$1B
2360
Total Deposits
size
Value: $117.07M
Peer Median: $326.73M
#2360 of 2643 Bottom 10.7% in $100M-$1B
2295
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2295 of 2643 Bottom 13.2% in $100M-$1B
2137
Return on Assets
profitability
Value: 0.70%
Peer Median: 1.32%
#2137 of 2643 Bottom 19.2% in $100M-$1B
2087
Total Loans
size
Value: $107.17M
Peer Median: $258.35M
#2087 of 2643 Bottom 21.1% in $100M-$1B
2030
Loan-to-Deposit Ratio
liquidity
Value: 91.54%
Peer Median: 77.95%
#2030 of 2643 Bottom 23.2% in $100M-$1B
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