The Cooperative Bank
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Data as of · sourced from FFIEC call reports. How we update
The Cooperative Bank is an FDIC-insured savings bank headquartered in Roslindale, MA, established in 1898 (FDIC certificate 26922), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $548.3M, up 0.8% from Q2 2025, the 67th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 12.94% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26922
- Headquarters
- Roslindale, MA
- Established
- 1898
- Total assets, Q2 2026
- $548.3M
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 12.94%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 211070230
- Latest call report
- Q2 2026, FFIEC 051 · The Cooperative Bank call report
- Asset rank in state
- 67th of 89 in Massachusetts
The Cooperative Bank spends more to run itself than most banks of its size. The Roslindale, Massachusetts bank had $548 million in assets at June 30, 2026. It loses about $0.01 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 99 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $8,000 in the quarter. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.57% of loans from 0.38% a year earlier. Its margin is thin by comparison: it keeps 2.96 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, The Cooperative Bank reported a CET1 capital ratio of 12.94%, a return on assets of -0.01%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 5.12%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Cooperative Bank is the 67th largest of the 89 banks headquartered in Massachusetts. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $548.3M, loans rose 2.4% and deposits fell 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 65.7% of total loans, ahead of owner-occupied commercial real estate loans at 11.2%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in MA; its Roslindale office books 36% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Cooperative Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 40 Belgrade Ave, Roslindale, MA 02131
- County
- Suffolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1898
- Former names
- The Cooperative Bank (1998)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 65
- Domestic deposits
- $457.8M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $537.3M
- Average total loans
- $457.5M
- Average interest-bearing deposits
- $360.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- March 18, 1987
- FDIC Cert
- 26922
- Fed RSSD
- 714978
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Cooperative Bank's total assets ranged from $539.0M (Q3 2025) to $586.7M (Q4 2023), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$548.3M total assets against $544.2M; $500.1M total liabilities against $497.2M.
$459.7M net loans and leases against $453.7M; $457.8M total deposits against $452.1M.
$46.6M securities against $45.0M; $14.5M cash and balances due against $17.8M.
$6.4M total interest income against $6.2M; $2.6M total interest expense against $2.7M.
$3.8M net interest income against $3.4M.
$319K total noninterest income against $269K; $4.1M total noninterest expense against $3.7M.
$70K provision for credit losses against $5K.
-$8K net income against -$13K.
-0.01% return on assets against -0.01%; 2.96% net interest margin against 2.67%.
12.94% CET1 capital ratio against 13.02%; 9.29% tier 1 leverage ratio against 9.16%.
Inside the full The Cooperative Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The Cooperative Bank rankings
Its closest position to the top of a national ranking is 1,315 of 3,640, for Texas Ratio; its furthest is 3,546 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.01% (Q2 2025) to 0.31% (Q3 2025) and its net interest margin ran from 2.41% (Q3 2024) to 2.96% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.94% | -0.01% | 0.57% | 5.12% | 2.96% |
| Q1 2026 | 13.26% | 0.12% | 0.57% | 4.94% | 2.86% |
| Q4 2025 | 13.25% | 0.08% | 0.53% | 4.71% | 2.80% |
| Q3 2025 | 13.31% | 0.31% | 0.52% | 4.60% | 2.73% |
| Q2 2025 | 13.02% | -0.01% | 0.38% | 3.47% | 2.67% |
| Q1 2025 | 12.73% | 0.09% | 0.71% | 6.60% | 2.63% |
| Q4 2024 | 12.71% | 0.20% | 0.67% | 6.26% | 2.61% |
| Q3 2024 | 12.14% | 0.20% | 0.55% | 5.21% | 2.41% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| The Cooperative Bank | Roslindale , MA | 02131 | $165.2M |
| Charlestown Branch | Charlestown , MA | 02129 | $130.2M |
| West Roxbury Branch | West Roxbury , MA | 02132 | $130.1M |
| Jamaica Plain Branch | Jamaica Plain , MA | 02130 | $32.3M |
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 |
|---|---|---|---|
| September 21, 1998 | Structure Change | Acquired Charlestown Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 1998 | 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.
- Deposit market share
- <0.1% of deposits in MA, rank 78 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $120K approved, $120K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Cooperative Bank
What are The Cooperative Bank's total assets?
As of the Q2 2026 filing, The Cooperative Bank reported total assets of $548.3 million in its FFIEC call report.
Where is The Cooperative Bank headquartered?
It is headquartered in Roslindale, MA, United States.
When was The Cooperative Bank founded?
It was established in 1898, per the FDIC institution directory.
Is The Cooperative Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #26922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Cooperative Bank?
The Cooperative Bank's primary federal regulator is the FDIC.
What is The Cooperative Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.94% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Cooperative Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Cooperative Bank's Texas Ratio?
Its Texas Ratio is 5.12% 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.
What was The Cooperative Bank previously called?
The charter now named The Cooperative Bank has also operated as The Cooperative Bank (1998), per FDIC structure-change records.
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