The Cooperative Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 6.76 percentage points in Q2 2026, from 200.61% to 193.85%. It was the largest change from Q1 2026 among the key lines here. The Cooperative Bank ranks 26th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 101.22% (Q2 2026). The Cooperative Bank reported 101.22% on loan-to-deposit ratio for Q2 2026, 20.38 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $463.4M |
| Net loans and leases | $459.7M |
| Loans held for sale | $0 |
| Loans to total assets | 84.52% |
| Loan-to-deposit ratio | 101.22% |
| Net loans to equity capital | 9.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.43% |
| Multifamily (5+ residential) | 9.19% |
| Commercial and industrial | 0.62% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.85% |
| Construction concentration (Tier 1 capital + allowance) | 34.95% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.19% |
| Interest income on loans | $5.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $505.9M | $446.6M | 20.38% | 0.79% | 0.23% |
| Q4 2023 | $500.8M | $464.8M | 20.89% | 0.66% | 0.22% |
| Q1 2024 | $485.3M | $463.9M | 20.58% | 0.64% | 0.21% |
| Q2 2024 | $489.2M | $459.1M | 20.11% | 0.71% | 0.19% |
| Q3 2024 | $483.2M | $457.8M | 20.98% | 0.60% | 0.17% |
| Q4 2024 | $471.1M | $458.3M | 20.50% | 0.60% | 0.15% |
| Q1 2025 | $467.9M | $457.3M | 20.37% | 0.64% | 0.13% |
| Q2 2025 | $457.4M | $452.1M | 21.91% | 0.75% | 0.11% |
| Q3 2025 | $452.1M | $449.9M | 20.60% | 0.72% | 0.09% |
| Q4 2025 | $456.4M | $454.7M | 20.89% | 0.66% | 0.07% |
| Q1 2026 | $452.7M | $459.8M | 19.23% | 0.67% | 0.05% |
| Q2 2026 | $463.4M | $457.8M | 20.43% | 0.62% | 0.03% |
The Cooperative Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cooperative Bank, freeSource: Call Report Schedule RC-C, 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 The Cooperative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26922) · FFIEC NIC profile (RSSD 714978)