DEAN CO-OPERATIVE BANK

FRANKLIN, MA | Small | Est. Jan. 1, 1889, midnight | FDIC #27269 | RSSD #271275 | FDIC
Latest Report: 2025-12-31

DEAN CO-OPERATIVE BANK is asn small FDIC-insured commercial bank headquartered in FRANKLIN, MA, established in Jan. 1, 1889, midnight. As of 2025-12-31, the bank reported total assets of $489M and total deposits of $419M. Profitability stands at 0.36% ROA and 5.39% ROE, with a net interest margin of 3.18%. The bank's CET1 capital ratio is 13.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.73%. FDIC Certificate #27269.

Assets

$489M

Deposits

$419M

Loans

$347M

Equity

$33M

Profitability

Return on Assets (ROA) 0.36%
Return on Equity (ROE) 5.39%
Net Interest Margin (NIM) 3.18%
Yield on Assets 4.69%
Cost of Funds 1.51%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.73%
NPA Ratio 0.05%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 13.29%
Tier 1 Capital 13.29%
Total Capital Ratio 14.36%
Leverage Ratio 8.14%
Loan-to-Deposit 82.76%

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