The Cooperative Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Cooperative Bank spends more to run itself than most banks of its size. The Roslindale, Massachusetts bank had $548 million in assets at June 30, 2026. It loses about $0.01 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 99 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $8,000 in the quarter. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.57% of loans from 0.38% a year earlier. Its margin is thin by comparison: it keeps 2.96 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, The Cooperative Bank reported a CET1 capital ratio of 12.94%, a return on assets of -0.01%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 5.12%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 40 Belgrade Ave, Roslindale, MA 02131
- County
- Suffolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1898
- Former names
- The Cooperative Bank (1998)
- Offices
- 4 domestic
- Employees (FTE)
- 65
- Domestic deposits
- $457.8M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $537.3M
- Average total loans
- $457.5M
- Average interest-bearing deposits
- $360.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- March 18, 1987
- FDIC Cert
- 26922
- Fed RSSD
- 714978
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Cooperative Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Cooperative Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The Cooperative Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.94% | -0.01% | 0.57% | 5.12% | 2.96% |
| Q1 2026 | 13.26% | 0.12% | 0.57% | 4.94% | 2.86% |
| Q4 2025 | 13.25% | 0.08% | 0.53% | 4.71% | 2.80% |
| Q3 2025 | 13.31% | 0.31% | 0.52% | 4.60% | 2.73% |
| Q2 2025 | 13.02% | -0.01% | 0.38% | 3.47% | 2.67% |
| Q1 2025 | 12.73% | 0.09% | 0.71% | 6.60% | 2.63% |
| Q4 2024 | 12.71% | 0.20% | 0.67% | 6.26% | 2.61% |
| Q3 2024 | 12.14% | 0.20% | 0.55% | 5.21% | 2.41% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Cooperative Bank | Roslindale , MA | 02131 | $165.2M |
| Charlestown Branch | Charlestown , MA | 02129 | $130.2M |
| West Roxbury Branch | West Roxbury , MA | 02132 | $130.1M |
| Jamaica Plain Branch | Jamaica Plain , MA | 02130 | $32.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 21, 1998 | Structure Change | Acquired Charlestown Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Cooperative Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MA, rank 78 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $120K approved, $120K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Cooperative Bank
What are The Cooperative Bank's total assets?
As of the Q2 2026 filing, The Cooperative Bank reported total assets of $548.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Cooperative Bank headquartered?
The Cooperative Bank is headquartered in Roslindale, MA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was The Cooperative Bank founded?
The Cooperative Bank was established in 1898, per the FDIC institution directory.
Is The Cooperative Bank FDIC-insured?
Yes. The Cooperative Bank is an FDIC-insured savings bank (FDIC Certificate #26922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Cooperative Bank?
The Cooperative Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Cooperative Bank's CET1 capital ratio?
The Cooperative Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.94% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Cooperative Bank operate?
The Cooperative Bank operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Cooperative Bank's Texas Ratio?
The Cooperative Bank's Texas Ratio is 5.12% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Cooperative Bank previously called?
The charter now named The Cooperative Bank has also operated as The Cooperative Bank (1998), per FDIC structure-change records.
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