Commonwealth Cooperative Bank
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Data as of · sourced from FFIEC call reports. How we update
Commonwealth Cooperative Bank is an FDIC-insured commercial bank headquartered in Hyde Park, MA, established in 1886 (FDIC certificate 29842), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $205.0M, up 1.4% from Q2 2025, the 81st largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.31% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 29842
- Headquarters
- Hyde Park, MA
- Established
- 1886
- Total assets, Q2 2026
- $205.0M
- Assets vs Q2 2025
- +1.4%
- Tier 1 leverage ratio, Q2 2026
- 16.31%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 211072885
- Latest call report
- Q2 2026, FFIEC 051 · Commonwealth Cooperative Bank call report
- Asset rank in state
- 81st of 89 in Massachusetts
Commonwealth Cooperative Bank spends more to run itself than most banks of its size. The Hyde Park, Massachusetts bank had $205 million in assets at June 30, 2026, up 1.4% from a year earlier. It earns about $0.41 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.83 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $213,000, 101% above the same quarter a year earlier. Over the same year, loans shrank 3.7% and deposits grew 7.4%. Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Commonwealth Cooperative Bank reported a return on assets of 0.41%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 2.23%. The figures come from its call report filed with the FFIEC.
Commonwealth Cooperative Bank ranks as the 81st largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.1% to $205.0M, loans fell 2.2% and deposits rose 1.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 70.8% of total loans, followed by non-owner-occupied commercial real estate loans at 16.5%. The FDIC Summary of Deposits lists 2 offices for it, in Hyde Park, MA and Jamaica Plain, MA; its Hyde Park office books 94% of its branch deposits. On its Q2 2026 call report, Commonwealth Cooperative Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1172 River St, Hyde Park, MA 02136
- County
- Suffolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1886
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $140.6M
- Allowance for credit losses
- $827K
- Net charge-offs (YTD)
- $0
- Average total assets
- $206.3M
- Average total loans
- $131.4M
- Average interest-bearing deposits
- $118.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29842
- Fed RSSD
- 275479
- Website
- www.commonwealthcoop.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Commonwealth Cooperative Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Commonwealth Cooperative Bank's total assets ran between $202.1M (Q2 2025) and $214.7M (Q4 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$205.0M total assets against $202.1M; $176.8M total liabilities against $175.2M.
$127.6M net loans and leases against $132.7M; $140.6M total deposits against $130.9M.
$42.7M securities against $50.1M; $25.5M cash and balances due against $9.2M.
$2.4M total interest income against $2.4M; $986K total interest expense against $1.0M.
$1.4M net interest income against $1.3M.
$49K total noninterest income against $56K; $1.1M total noninterest expense against $1.2M.
$0 provision for credit losses against $0.
$213K net income against $106K.
0.41% return on assets against 0.21%; 2.83% net interest margin against 2.78%.
16.31% tier 1 leverage ratio against 16.38%.
Inside the full Commonwealth Cooperative Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommonwealth Cooperative Bank rankings
Its closest position to the top of a national ranking is 2,169 of 3,640, for Texas Ratio; its furthest is 3,321 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.15% (Q3 2024) to 0.41% (Q2 2026) and its net interest margin ran from 2.36% (Q3 2024) to 2.83% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.31% | 0.41% | 0.50% | 2.23% | 2.83% |
| Q1 2026 | 16.29% | 0.33% | 0.49% | 2.25% | 2.77% |
| Q4 2025 | 16.44% | 0.24% | 0.56% | 2.57% | 2.76% |
| Q3 2025 | 16.20% | 0.36% | 0.24% | 1.13% | 2.77% |
| Q2 2025 | 16.38% | 0.21% | 0.24% | 1.17% | 2.78% |
| Q1 2025 | 16.20% | 0.25% | 0.25% | 1.20% | 2.78% |
| Q4 2024 | 16.03% | 0.16% | 0.25% | 1.25% | 2.44% |
| Q3 2024 | 15.88% | 0.15% | 0.25% | 1.20% | 2.36% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commonwealth Co-Operative Bank | Hyde Park , MA | 02136 | $132.2M |
| Jamaica Plain Branch | Jamaica Plain , MA | 02130 | $8.3M |
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 |
|---|---|---|---|
| January 1, 2009 | Structure Change | Acquired Commonwealth Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2008 | 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
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC (former OTS)); 19 against individuals associated with it
- October 30, 1992, OCC (former OTS): Cease and Desist: Hyde Park Co-Operative Bank
- November 12, 1991, OCC (former OTS): Civil Money Penalty: Hyde Park Co-Operative Bank
- August 26, 1991, OCC (former OTS): Cease and Desist: Hyde Park Co-Operative Bank
- Period: Most recent institution action October 30, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MA, rank 100 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Commonwealth Cooperative Bank
What are Commonwealth Cooperative Bank's total assets?
As of the Q2 2026 filing, Commonwealth Cooperative Bank reported total assets of $205.0 million in its FFIEC call report.
Where is Commonwealth Cooperative Bank headquartered?
It is headquartered in Hyde Park, MA, United States.
When was Commonwealth Cooperative Bank founded?
It was established in 1886, per the FDIC institution directory.
Is Commonwealth Cooperative Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29842). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commonwealth Cooperative Bank?
Commonwealth Cooperative Bank's primary federal regulator is the Federal Reserve.
How many branches does Commonwealth Cooperative Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commonwealth Cooperative Bank's Texas Ratio?
Its Texas Ratio is 2.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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