Bank Comparison
Seamens Bank vs Pittsfield Co-operative Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 6
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Seamens Bank | Pittsfield Co-operative Bank |
|---|---|---|
| CET1 Ratio | — | 19.09% |
| Tier 1 Capital Ratio | — | 19.09% |
| Total Capital Ratio | — | 19.85% |
| Tier 1 Leverage Ratio | 12.42% | 13.71% |
| Equity / Assets | 12.40% | 12.43% |
Profitability
| Metric | Seamens Bank | Pittsfield Co-operative Bank |
|---|---|---|
| Return on Assets (ROA) | 0.72% | 0.13% |
| Return on Equity (ROE) | 5.88% | 1.00% |
| Net Interest Margin (NIM) | 3.88% | 3.14% |
| Yield on Earning Assets | 5.24% | 5.09% |
| Cost of Funds | 1.50% | 2.07% |
Asset quality
| Metric | Seamens Bank | Pittsfield Co-operative Bank |
|---|---|---|
| Texas Ratio | 2.01% | 1.99% |
| Non-Performing Loan Ratio | 0.34% | 0.34% |
| Non-Performing Asset Ratio | 0.26% | 0.26% |
| Net Charge-Off Ratio | -0.02% | 0.01% |
| ACL / Loans | 0.60% | 0.70% |
Balance sheet
| Metric | Seamens Bank | Pittsfield Co-operative Bank |
|---|---|---|
| Total Assets | $469,291K | $444,654K |
| Total Deposits | $404,711K | $323,217K |
| Total Loans | $359,711K | $333,072K |
| Total Equity | $58,187K | $55,258K |
| Net Income (quarter) | $853 | $138 |
Liquidity & funding
| Metric | Seamens Bank | Pittsfield Co-operative Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.88% | 103.05% |
| Core Deposit Ratio | 87.54% | 87.36% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Seamens Bank | Pittsfield Co-operative Bank |
|---|---|---|
| Headquarters City | PROVINCETOWN | PITTSFIELD |
| Headquarters State | MA | MA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 72 | 73 |
| Established | April 14, 1851, midnight | Jan. 1, 1889, 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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