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The Cooperative Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26922

Designations: ✓ Mutual

Roslindale, MA

4 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 +1.3% year over year ($457.8M on the books).
  • Delinquency rate 0.58%.
  • Return on assets 0.06%.
  • Efficiency ratio 97.16% vs a 64.48% peer average.
  • Loan-to-deposit ratio 100.40% 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) →

The Cooperative 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 0.34% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 5.8% in tier
  • - Liquidity Strain: Bottom 35.6% in tier
  • - Credit Quality Pressure: Bottom 38.7% in tier
  • - Return on Assets 1.27% below tier average
  • - Net Interest Margin 1.10% below tier average
  • - Efficiency Ratio 32.69% above tier average
Get updates when The Cooperative 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 ? $548.3M
+0.8% YoY +0.9% QoQ
+$161.7M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
76%
Total Loans ? $459.7M
+1.3% YoY +2.4% QoQ
+$201.3M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
Top 14.8% in tier
Total Deposits ? $457.8M
+1.3% YoY -0.4% QoQ
+$131.1M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
76%
Return on Assets ? 0.06%
+47.1% YoY -52.6% QoQ
-1.27% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 3.8% in tier
Net Interest Margin ? 2.89%
+10.5% YoY +1.5% QoQ
-1.10% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 7.3% in tier
Efficiency Ratio ? 97.16%
-2.5% YoY +2.6% QoQ
+32.69% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 2.7% in tier
Delinquency Rate ? 0.58%
+49.6% YoY +1.4% QoQ
-0.34% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
43%
Loan-to-Deposit Ratio ? 100.40%
+0.0% YoY +2.8% QoQ
+22.45% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
Bottom 9.7% in tier
Non-Interest-Bearing Deposit Share ? 22.12%
-2.2% YoY +5.5% QoQ
+0.09% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
55%
Nonperforming Asset Ratio ? 0.49%
+50.4% YoY +2.9% QoQ
-0.18% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
40%
Tier 1 Capital Ratio ? 12.94%
-0.6% YoY -2.4% QoQ
-2.97% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.11%
+19.9% YoY +101.4% 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 22.1%
-0.5pp YoY
+1.2pp QoQ
 0.0pp 22.1% 16.2% 22.2% 55%
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 0.6%
-0.1pp YoY
-0.1pp QoQ
 -10.9pp 11.6% 6.5% 12.5% 2%
CRE 33.9%
+0.1pp YoY
+1.5pp QoQ
 -5.6pp 39.5% 40.3% 41.4% 42%
1-4 Family 66.2%
+0.1pp YoY
-1.5pp QoQ
 +33.6pp 32.6% 52.4% 31.3% 93%
Consumer 0.0%
-0.1pp YoY
0.0pp QoQ
 -4.1pp 4.1% 1.6% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 12.9%
-0.1pp YoY
-0.3pp QoQ
 -5.9pp 18.8% 16.6% 19.7% 27%
Leverage Ratio 9.3%
+0.1pp YoY
0.0pp QoQ
 -2.9pp 12.2% 11.5% 12.6% 17%
Total Capital Ratio 14.0%
-0.1pp YoY
-0.3pp QoQ
 -6.0pp 19.9% 17.5% 20.8% 26%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 65
+1 (+1.6%) YoY
-2 (-3.0%) QoQ
 +6 58 755 482 67%
Assets per Employee ($) $8.4M
-0.8% YoY
+4.0% QoQ
 +$917K $7.5M $10.7M $8.8M 74%
Branch Count 4
0 YoY
0 QoQ
 -1 4 13 18 42%

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 0.6%
+0.2pp YoY
0.0pp QoQ
 -0.4pp 0.9% 0.8% 1.0% 56%
Allowance Coverage 1.41x
-32.6% YoY
-0.9% QoQ
 -22.74x 24.15x 7.95x 20.23x 37%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 25%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 0.6%
+0.2pp YoY
-0.7pp QoQ
 -11.6pp 12.2% 5.6% 11.6% 4%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 1.7% 2.0% 1.7% 71%
Net Income ($, YTD) $153,000
+45.7% YoY
— QoQ
 -$2.4M $2.6M $31.7M $40.4M 5%

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
#55 of 936 • Bottom 5.8% 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
#247 of 691 • Bottom 35.6% 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: 100.40%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#487 of 1256 • Bottom 38.7% in tier

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

Why this signature
Delinquency Rate: 0.58%
(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)

393
Total Loans
size
Value: $459.67M
Peer Median: $258.35M
#393 of 2643 Top 14.8% in $100M-$1B
632
Total Assets
size
Value: $548.29M
Peer Median: $386.57M
#632 of 2643 Top 23.9% in $100M-$1B
639
Total Deposits
size
Value: $457.83M
Peer Median: $326.73M
#639 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (5 metrics)

2572
Efficiency Ratio
profitability
Value: 97.16%
Peer Median: 64.48%
#2572 of 2643 Bottom 2.7% in $100M-$1B
2544
Return on Assets
profitability
Value: 0.06%
Peer Median: 1.32%
#2544 of 2643 Bottom 3.8% in $100M-$1B
2450
Net Interest Margin
profitability
Value: 2.89%
Peer Median: 3.99%
#2450 of 2643 Bottom 7.3% in $100M-$1B
2388
Loan-to-Deposit Ratio
liquidity
Value: 100.40%
Peer Median: 77.95%
#2388 of 2643 Bottom 9.7% in $100M-$1B
2025
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2025 of 2643 Bottom 23.4% in $100M-$1B
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