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StonehamBank, A Co-operative Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26559

Designations: ✓ Mutual

Stoneham, MA

2 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 +8.0% year over year ($773.2M on the books).
  • Delinquency rate 0.33%.
  • Return on assets 0.51%.
  • Efficiency ratio 75.73% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.03% 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) →

StonehamBank, A 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 0.59% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 21.8% in tier
  • - Liquidity Strain: Bottom 22.6% in tier
  • - Credit Quality Pressure: Bottom 31.0% in tier
  • - ROA 0.82% below tier average
  • - Net Interest Margin 0.99% below tier average
  • - Efficiency Ratio 11.25% above tier average
Get updates when StonehamBank, A 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 ? $918.3M
+7.7% YoY +1.7% QoQ
+$531.7M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
Top 3.0% in tier
Total Loans ? $711.5M
+4.8% YoY -0.7% QoQ
+$453.2M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
Top 2.0% in tier
Total Deposits ? $773.2M
+8.0% YoY +3.1% QoQ
+$446.4M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
Top 3.3% in tier
Return on Assets ? 0.51%
+368.9% YoY +1.3% QoQ
-0.82% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 12.3% in tier
Net Interest Margin ? 3.00%
+19.2% YoY +2.6% QoQ
-0.99% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 10.1% in tier
Efficiency Ratio ? 75.73%
-12.2% YoY -0.6% QoQ
+11.25% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.33%
+112.7% YoY
-0.59% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 92.03%
-3.0% YoY -3.7% QoQ
+14.08% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 13.99%
-7.2% YoY +4.7% QoQ
-8.04% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
21%
Nonperforming Asset Ratio ? 0.25%
+107.0% YoY
-0.42% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 12.51%
-2.9% YoY +0.4% QoQ
-3.40% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.11%
-22.4% YoY +117.6% QoQ
-0.45% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
23%

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 14.0%
-1.1pp YoY
+0.6pp QoQ
 -8.2pp 22.1% 16.2% 22.2% 20%
Brokered Deposits 5.9%
+0.7pp YoY
-0.2pp 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 11.2%
+0.5pp YoY
0.0pp QoQ
 -0.4pp 11.6% 6.5% 12.5% 59%
CRE 46.2%
+0.4pp YoY
0.0pp QoQ
 +6.6pp 39.5% 40.3% 41.4% 64%
1-4 Family 42.0%
-0.9pp YoY
+0.2pp QoQ
 +9.4pp 32.6% 52.4% 31.3% 73%
Consumer 1.6%
+0.5pp YoY
0.0pp QoQ
 -2.5pp 4.1% 1.6% 5.0% 42%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 12.5%
-0.4pp YoY
0.0pp QoQ
 -6.3pp 18.8% 16.6% 19.7% 22%
Leverage Ratio 8.9%
-0.2pp YoY
0.0pp QoQ
 -3.2pp 12.2% 11.5% 12.6% 11%
Total Capital Ratio 13.7%
-0.3pp YoY
+0.1pp QoQ
 -6.2pp 19.9% 17.5% 20.8% 23%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 77
+3 (+4.1%) YoY
+2 (+2.7%) QoQ
 +18 58 755 482 75%
Assets per Employee ($) $11.9M
+3.5% YoY
-0.9% QoQ
 +$4.4M $7.5M $10.7M $8.8M 92%
Branch Count 2
0 YoY
0 QoQ
 -3 4 13 18 11%

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 0.3%
+0.2pp YoY
+0.3pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 41%
Allowance Coverage 3.12x
-51.2% YoY
-94.9% QoQ
 -21.03x 24.15x 7.95x 20.23x 60%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 6.5%
+5.1pp YoY
+0.1pp QoQ
 -5.7pp 12.2% 5.6% 11.6% 19%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
0.0pp QoQ
 +0.5pp 1.7% 2.0% 1.7% 82%
Net Income ($, YTD) $2.3M
+404.7% YoY
— QoQ
 -$279K $2.6M $31.7M $40.4M 58%

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 (3)

Credit Risk Growth

risk
#205 of 936 • Bottom 21.8% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Strain

risk
#157 of 691 • Bottom 22.6% 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: 92.03%
(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

Credit Quality Pressure

risk
#391 of 1256 • Bottom 31.0% in tier

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

Why this signature
Delinquency Rate: 0.33%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

55
Total Loans
size
Value: $711.52M
Peer Median: $258.35M
#55 of 2643 Top 2.0% in $100M-$1B
79
Total Assets
size
Value: $918.26M
Peer Median: $386.57M
#79 of 2643 Top 3.0% in $100M-$1B
89
Total Deposits
size
Value: $773.16M
Peer Median: $326.73M
#89 of 2643 Top 3.3% in $100M-$1B

Top Weaknesses (6 metrics)

2377
Net Interest Margin
profitability
Value: 3.00%
Peer Median: 3.99%
#2377 of 2643 Bottom 10.1% in $100M-$1B
2318
Return on Assets
profitability
Value: 0.51%
Peer Median: 1.32%
#2318 of 2643 Bottom 12.3% in $100M-$1B
2135
Efficiency Ratio
profitability
Value: 75.73%
Peer Median: 64.48%
#2135 of 2643 Bottom 19.3% in $100M-$1B
2094
Non-Interest-Bearing Deposit Share
funding
Value: 13.99%
Peer Median: 22.03%
#2094 of 2643 Bottom 20.8% in $100M-$1B
2058
Loan-to-Deposit Ratio
liquidity
Value: 92.03%
Peer Median: 77.95%
#2058 of 2643 Bottom 22.2% in $100M-$1B
2035
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2035 of 2643 Bottom 23.0% in $100M-$1B
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