Bank Comparison
East Cambridge Savings Bank vs Everett Co-operative Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | East Cambridge Savings Bank | Everett Co-operative Bank |
|---|---|---|
| CET1 Ratio | 14.40% | 13.60% |
| Tier 1 Capital Ratio | 14.40% | 13.60% |
| Total Capital Ratio | 15.13% | 14.55% |
| Tier 1 Leverage Ratio | 9.54% | 9.83% |
| Equity / Assets | 9.26% | 9.58% |
Profitability
| Metric | East Cambridge Savings Bank | Everett Co-operative Bank |
|---|---|---|
| Return on Assets (ROA) | 0.33% | 0.77% |
| Return on Equity (ROE) | 3.48% | 7.90% |
| Net Interest Margin (NIM) | 2.46% | 2.46% |
| Yield on Earning Assets | 4.54% | 5.47% |
| Cost of Funds | 2.24% | 3.27% |
Asset quality
| Metric | East Cambridge Savings Bank | Everett Co-operative Bank |
|---|---|---|
| Texas Ratio | 1.21% | 0.73% |
| Non-Performing Loan Ratio | 0.14% | 0.09% |
| Non-Performing Asset Ratio | 0.11% | 0.07% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.59% | 0.74% |
Balance sheet
| Metric | East Cambridge Savings Bank | Everett Co-operative Bank |
|---|---|---|
| Total Assets | $1,668M | $1,649M |
| Total Deposits | $1,338M | $1,210M |
| Total Loans | $1,279M | $1,401M |
| Total Equity | $154,507K | $158,055K |
| Net Income (quarter) | $1,340K | $3,079K |
Liquidity & funding
| Metric | East Cambridge Savings Bank | Everett Co-operative Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 95.58% | 115.77% |
| Core Deposit Ratio | 83.02% | 70.44% |
| Uninsured Deposit Ratio | 36.20% | 39.27% |
Identity
| Metric | East Cambridge Savings Bank | Everett Co-operative Bank |
|---|---|---|
| Headquarters City | CAMBRIDGE | EVERETT |
| Headquarters State | MA | MA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 12 | 3 |
| Employees (FTE) | 153 | 66 |
| Established | April 2, 1854, midnight | Jan. 1, 1890, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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