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Fidelity Co-Operative Bank
Leominster, MA · FDIC Certificate #26451 · Chartered 01/0
Total assets
$1.31B
Total deposits
$1.12B
Total equity
$161.87M
Net loans
$945.32M
Branches (offices)
13
Net income (YTD)
$5.41M
Rank: #841 of 4,213 U.S. banks by assets · #39 of 89 in Massachusetts. Assets changed -17.1% and deposits -19.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.80% |
| Return on equity | 6.70% |
| Net interest margin (YTD) | 4.29% |
| Equity to assets | 12.36% |
| Tier 1 leverage ratio | 9.86% |
| Uninsured deposits (share of deposits) | 29.8% |
| Noncurrent loans (share of loans) | 4.44% |
| Net charge-offs (share of loans) | 1.80% |
| Loans to deposits | 84.7% |
| Real estate loans (share of loans) | 82.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $783.05M | 82.8% | |
| Commercial & industrial | $161.33M | 17.1% | |
| Consumer / individual | $15.16M | 1.6% | |
| Construction & development | $43.93M | 4.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.30B | $1.15B | $3.96M | $113.15M |
| Jun 2023 | $1.48B | $1.27B | $3.75M | $124.33M |
| Jun 2024 | $1.54B | $1.35B | $414.00K | $178.14M |
| Jun 2025 | $1.58B | $1.38B | $6.81M | $178.30M |
| Jun 2026 | $1.31B | $1.12B | $5.41M | $161.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $1.12B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.12B.
Similar-sized banks
Hnb National Bank ($1.31B) · Webster Five Cents Savings Bank ($1.31B)
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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