The Cooperative Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Cooperative Bank of Roslindale, MA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.01% | 1.35% | -1.36% | 4th bottom |
| ROAE | -0.07% | 12.06% | -12.13% | 4th bottom |
| Net Interest Margin | 2.96% | 3.90% | -0.94% | 9th bottom |
| Efficiency Ratio | 98.68% | 63.14% | +35.54% | 3rd bottom |
| PPNR / Avg Assets | 0.01% | 1.64% | -1.63% | 3rd bottom |
| Yield on Earning Assets | 4.97% | 5.65% | -0.68% | 22nd bottom |
| Cost of Funds | 2.13% | 1.85% | +0.28% | 30th below |
| Net Interest Spread | 2.35% | 3.35% | -1.00% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.92% | -0.14% | 34th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.66% | 0.67% | -0.01% | 31st below |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 74th above |
| ACL / Total Loans | 0.81% | 1.28% | -0.47% | 11th bottom |
| ACL / NPLs (Coverage) | 103.11% | 1645.79% | -1542.68% | 29th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.00% | 7.15% | -0.15% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.94% | 20.83% | -7.89% | 27th below |
| Tier 1 Ratio | 12.94% | 20.87% | -7.93% | 27th below |
| Total Capital Ratio | 13.98% | 21.94% | -7.96% | 26th below |
| Leverage Ratio | 9.29% | 12.46% | -3.17% | 17th bottom |
| Equity / Assets | 8.79% | 11.67% | -2.88% | 24th bottom |
| TCE / Tangible Assets | 8.79% | 11.40% | -2.61% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.22% | 78.64% | +22.58% | 10th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.18% | 87.09% | +1.09% | 44th below |
| Wholesale Funding Ratio | 7.11% | 5.11% | +2.00% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.76% | 6.48% | -5.72% | 24th bottom |
| Loan Growth (Y/Y) | 1.32% | 7.64% | -6.32% | 28th below |
| Deposit Growth (Y/Y) | 1.27% | 6.02% | -4.75% | 31st below |
See The Cooperative Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Cooperative Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Cooperative Bank profile, how to read a UBPR, or how this data updates.