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The Pittsfield Co-Operative Bank
Pittsfield, MA · FDIC Certificate #26393 · Chartered 01/0
Total assets
$451.50M
Total deposits
$327.73M
Total equity
$55.65M
Net loans
$343.94M
Branches (offices)
5
Net income (YTD)
$441.00K
Rank: #1,905 of 4,213 U.S. banks by assets · #71 of 89 in Massachusetts. Assets changed 6.8% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.20% |
| Return on equity | 1.59% |
| Net interest margin (YTD) | 3.13% |
| Equity to assets | 12.32% |
| Tier 1 leverage ratio | 13.41% |
| Uninsured deposits (share of deposits) | 23.3% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 104.9% |
| Real estate loans (share of loans) | 89.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $308.44M | 89.7% | |
| Commercial & industrial | $33.63M | 9.8% | |
| Consumer / individual | $2.89M | 0.8% | |
| Construction & development | $6.67M | 1.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $385.86M | $326.86M | $1.34M | $49.42M |
| Jun 2023 | $387.69M | $303.77M | $1.55M | $50.50M |
| Jun 2024 | $378.07M | $286.73M | $113.00K | $53.02M |
| Jun 2025 | $422.90M | $313.97M | $192.00K | $55.02M |
| Jun 2026 | $451.50M | $327.73M | $441.00K | $55.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $327.73M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $327.73M.
Similar-sized banks
The Liberty National Bank In Paris ($452.14M) · Patriot Bank ($451.16M)
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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