Canton Co-Operative Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.55 percentage points higher than in Q1 2026, at 84.98%. Within Massachusetts, Canton Co-Operative Bank is 57th of 89 on return on assets, 0.54% as of Q2 2026. Canton Co-Operative Bank's return on assets of 0.54% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.71 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.29% |
| Tier 1 risk-based capital ratio | 22.29% |
| Total risk-based capital ratio | 22.96% |
| Tier 1 leverage ratio | 15.25% |
| Equity capital to assets | 13.90% |
| Tangible equity to tangible assets | 13.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.31% |
| Allowance for credit losses to loans | 0.65% |
| Reserve coverage of non-performing loans | 1002.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.54% |
| Return on equity | 3.93% |
| Net interest margin | 3.30% |
| Efficiency ratio | 74.75% |
| Yield on earning assets | 5.00% |
| Cost of funds | 1.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.98% |
| Core deposits to total deposits | 76.13% |
| Brokered deposits to total deposits | 11.09% |
| Deposits to assets | 82.15% |
| Securities to assets | 20.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.74% | 23.74% | 24.37% | 14.58% | 0.41% |
| Q4 2023 | 22.91% | 22.91% | 23.51% | 14.76% | 0.28% |
| Q1 2024 | 23.59% | 23.59% | 24.21% | 14.73% | 0.12% |
| Q2 2024 | 24.04% | 24.04% | 24.70% | 14.63% | 0.34% |
| Q3 2024 | 25.34% | 25.34% | 26.03% | 14.44% | 0.29% |
| Q4 2024 | 24.35% | 24.35% | 25.01% | 14.56% | 0.25% |
| Q1 2025 | 23.82% | 23.82% | 24.47% | 14.39% | -0.10% |
| Q2 2025 | 23.37% | 23.37% | 24.02% | 14.31% | 0.18% |
| Q3 2025 | 22.54% | 22.54% | 23.17% | 14.48% | 0.36% |
| Q4 2025 | 22.56% | 22.56% | 23.19% | 14.54% | 0.43% |
| Q1 2026 | 22.59% | 22.59% | 23.22% | 15.04% | 0.29% |
| Q2 2026 | 22.29% | 22.29% | 22.96% | 15.25% | 0.54% |
Canton Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Canton Co-Operative Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Canton Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26450) · FFIEC NIC profile (RSSD 379470)