Commonwealth Cooperative 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: 3.43 percentage points lower than in Q1 2026, at 91.38%. Commonwealth Cooperative Bank ranks 75th of 89 Massachusetts banks on return on assets, in the lower half at 0.41% (Q2 2026). Commonwealth Cooperative Bank's return on assets of 0.41% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.83 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.31% |
| Equity capital to assets | 13.78% |
| Tangible equity to tangible assets | 13.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.23% |
| Allowance for credit losses to loans | 0.64% |
| Reserve coverage of non-performing loans | 127.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.41% |
| Return on equity | 3.02% |
| Net interest margin | 2.83% |
| Efficiency ratio | 73.93% |
| Yield on earning assets | 4.82% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.38% |
| Core deposits to total deposits | 80.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 68.58% |
| Securities to assets | 20.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.09% | 0.35% | 2.86% | 0.18% | 0.00% |
| Q4 2023 | 15.67% | 0.37% | 2.82% | 0.19% | 0.00% |
| Q1 2024 | 15.75% | 0.27% | 2.66% | 0.19% | 0.00% |
| Q2 2024 | 16.14% | 0.19% | 2.52% | 0.19% | 0.00% |
| Q3 2024 | 15.88% | 0.15% | 2.36% | 0.25% | 0.00% |
| Q4 2024 | 16.03% | 0.16% | 2.44% | 0.25% | 0.00% |
| Q1 2025 | 16.20% | 0.25% | 2.78% | 0.25% | 0.00% |
| Q2 2025 | 16.38% | 0.21% | 2.78% | 0.24% | 0.00% |
| Q3 2025 | 16.20% | 0.36% | 2.77% | 0.24% | 0.00% |
| Q4 2025 | 16.44% | 0.24% | 2.76% | 0.56% | 0.00% |
| Q1 2026 | 16.29% | 0.33% | 2.77% | 0.49% | 0.00% |
| Q2 2026 | 16.31% | 0.41% | 2.83% | 0.50% | 0.00% |
Commonwealth Cooperative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commonwealth Cooperative 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 Commonwealth Cooperative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29842) · FFIEC NIC profile (RSSD 275479)