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Dean Co-Operative Bank
Franklin, MA · FDIC Certificate #27269 · Chartered 01/0
Total assets
$494.31M
Total deposits
$420.58M
Total equity
$33.18M
Net loans
$352.64M
Branches (offices)
4
Net income (YTD)
$959.00K
Rank: #1,800 of 4,213 U.S. banks by assets · #69 of 89 in Massachusetts. Assets changed 2.7% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.39% |
| Return on equity | 5.84% |
| Net interest margin (YTD) | 3.26% |
| Equity to assets | 6.71% |
| Tier 1 leverage ratio | 8.26% |
| Uninsured deposits (share of deposits) | 19.7% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 83.8% |
| Real estate loans (share of loans) | 91.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $321.52M | 91.2% | |
| Commercial & industrial | $29.56M | 8.4% | |
| Consumer / individual | $4.64M | 1.3% | |
| Construction & development | $13.63M | 3.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $445.83M | $415.61M | $1.22M | $25.92M |
| Jun 2023 | $453.24M | $397.91M | $616.00K | $25.78M |
| Jun 2024 | $461.44M | $400.48M | $191.00K | $27.06M |
| Jun 2025 | $481.47M | $414.91M | $569.00K | $29.57M |
| Jun 2026 | $494.31M | $420.58M | $959.00K | $33.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $420.58M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $420.58M.
Similar-sized banks
Trubank ($494.59M) · Century Bank And Trust ($493.99M)
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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