NORTH CAMBRIDGE CO-OPERATIVE BANK

CAMBRIDGE, MA | Micro | Est. Jan. 1, 1912, midnight | FDIC #26567 | RSSD #931270 | FDIC
Latest Report: 2025-12-31

NORTH CAMBRIDGE CO-OPERATIVE BANK is amn micro FDIC-insured commercial bank headquartered in CAMBRIDGE, MA, established in Jan. 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $88M and total deposits of $61M. Profitability stands at 0.20% ROA and 0.68% ROE, with a net interest margin of 3.03%. The bank's CET1 capital ratio is 63.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #26567.

Assets

$88M

Deposits

$61M

Loans

$47M

Equity

$25M

Profitability

Return on Assets (ROA) 0.20%
Return on Equity (ROE) 0.68%
Net Interest Margin (NIM) 3.03%
Yield on Assets 4.14%
Cost of Funds 1.59%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 63.81%
Tier 1 Capital 63.81%
Total Capital Ratio 65.06%
Leverage Ratio 28.72%
Loan-to-Deposit 76.62%

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