MECHANICS COOPERATIVE BANK

TAUNTON, MA | Medium | Est. Jan. 1, 1877, midnight | FDIC #26634 | RSSD #183770 | FDIC
Latest Report: 2025-12-31

MECHANICS COOPERATIVE BANK is amn medium FDIC-insured commercial bank headquartered in TAUNTON, MA, established in Jan. 1, 1877, midnight. As of 2025-12-31, the bank reported total assets of $862M and total deposits of $701M. Profitability stands at 1.12% ROA and 9.04% ROE, with a net interest margin of 4.26%. The bank's CET1 capital ratio is 15.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.24%. FDIC Certificate #26634.

Assets

$862M

Deposits

$701M

Loans

$729M

Equity

$108M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 9.04%
Net Interest Margin (NIM) 4.26%
Yield on Assets 6.46%
Cost of Funds 2.35%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.24%
NPA Ratio 0.03%
ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 15.33%
Tier 1 Capital 15.33%
Total Capital Ratio 16.32%
Leverage Ratio 12.99%
Loan-to-Deposit 104.02%

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