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North Cambridge Co-Operative Bank
Cambridge, MA · FDIC Certificate #26567 · Chartered 01/0
Total assets
$87.08M
Total deposits
$60.28M
Total equity
$25.44M
Net loans
$44.52M
Branches (offices)
1
Net income (YTD)
$65.00K
Rank: #3,776 of 4,213 U.S. banks by assets · #89 of 89 in Massachusetts. Assets changed 2.2% and deposits 2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.15% |
| Return on equity | 0.52% |
| Net interest margin (YTD) | 2.94% |
| Equity to assets | 29.21% |
| Tier 1 leverage ratio | 29.32% |
| Uninsured deposits (share of deposits) | 19.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 73.9% |
| Real estate loans (share of loans) | 100.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $44.87M | 100.8% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $106.00K | 0.2% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $90.00M | $67.97M | -$370.00K | $21.49M |
| Jun 2023 | $84.85M | $62.12M | $225.00K | $22.05M |
| Jun 2024 | $82.96M | $58.86M | $288.00K | $23.22M |
| Jun 2025 | $85.20M | $59.08M | $425.00K | $24.73M |
| Jun 2026 | $87.08M | $60.28M | $65.00K | $25.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $60.28M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $60.28M.
Similar-sized banks
The Four County Bank ($87.12M) · Scribner Bank ($86.92M)
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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