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Commonwealth Co-Operative Bank
Hyde Park, MA · FDIC Certificate #29842 · Chartered 01/0
Total assets
$205.00M
Total deposits
$140.59M
Total equity
$28.25M
Net loans
$127.65M
Branches (offices)
2
Net income (YTD)
$384.00K
Rank: #2,944 of 4,213 U.S. banks by assets · #81 of 89 in Massachusetts. Assets changed 1.4% and deposits 7.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.37% |
| Return on equity | 2.73% |
| Net interest margin (YTD) | 2.83% |
| Equity to assets | 13.78% |
| Tier 1 leverage ratio | 16.31% |
| Uninsured deposits (share of deposits) | 40.9% |
| Noncurrent loans (share of loans) | 0.50% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 90.8% |
| Real estate loans (share of loans) | 100.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $127.81M | 100.1% | |
| Commercial & industrial | $695.00K | 0.5% | |
| Consumer / individual | $80.00K | 0.1% | |
| Construction & development | $4.72M | 3.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $204.61M | $157.92M | $678.00K | $25.71M |
| Jun 2023 | $214.39M | $136.95M | $522.00K | $25.04M |
| Jun 2024 | $202.72M | $129.46M | $236.00K | $25.57M |
| Jun 2025 | $202.14M | $130.87M | $234.00K | $26.94M |
| Jun 2026 | $205.00M | $140.59M | $384.00K | $28.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $140.59M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $140.59M.
Similar-sized banks
First Cahawba Bank ($205.74M) · Houghton State Bank ($204.84M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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