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The Cooperative Bank
Roslindale, MA · FDIC Certificate #26922 · Chartered 01/0
Total assets
$548.29M
Total deposits
$457.83M
Total equity
$48.19M
Net loans
$459.67M
Branches (offices)
4
Net income (YTD)
$153.00K
Rank: #1,672 of 4,213 U.S. banks by assets · #67 of 89 in Massachusetts. Assets changed 0.8% and deposits 1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.06% |
| Return on equity | 0.64% |
| Net interest margin (YTD) | 2.89% |
| Equity to assets | 8.79% |
| Tier 1 leverage ratio | 9.29% |
| Uninsured deposits (share of deposits) | 37.3% |
| Noncurrent loans (share of loans) | 0.57% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 100.4% |
| Real estate loans (share of loans) | 100.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $460.26M | 100.1% | |
| Commercial & industrial | $2.87M | 0.6% | |
| Consumer / individual | $161.00K | 0.0% | |
| Construction & development | $18.75M | 4.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $528.14M | $438.94M | $1.21M | $45.17M |
| Jun 2023 | $568.21M | $442.86M | $3.00K | $45.51M |
| Jun 2024 | $574.26M | $459.14M | $71.00K | $45.67M |
| Jun 2025 | $544.15M | $452.08M | $105.00K | $46.94M |
| Jun 2026 | $548.29M | $457.83M | $153.00K | $48.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $457.83M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $457.83M.
Similar-sized banks
Citizens Bank Of Kansas ($548.44M) · Silver Lake Bank ($548.25M)
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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