The Cooperative Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 2.76 percentage points in Q2 2026, from 98.46% to 101.22%. It was the largest change from Q1 2026 among the key lines here. On return on assets, The Cooperative Bank is 4th from the bottom among 89 Massachusetts banks, -0.01% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The Cooperative Bank reported -0.01% on return on assets in Q2 2026, 1.26 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.94% |
| Tier 1 risk-based capital ratio | 12.94% |
| Total risk-based capital ratio | 13.98% |
| Tier 1 leverage ratio | 9.29% |
| Equity capital to assets | 8.79% |
| Tangible equity to tangible assets | 8.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.66% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 7.00% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | 103.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.01% |
| Return on equity | -0.07% |
| Net interest margin | 2.96% |
| Efficiency ratio | 98.68% |
| Yield on earning assets | 4.97% |
| Cost of funds | 2.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.22% |
| Core deposits to total deposits | 88.18% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.50% |
| Securities to assets | 8.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.55% | 11.55% | 12.71% | 8.43% | 0.08% |
| Q4 2023 | 11.72% | 11.72% | 12.84% | 8.34% | -0.06% |
| Q1 2024 | 12.06% | 12.06% | 13.15% | 8.53% | 0.11% |
| Q2 2024 | 11.95% | 11.95% | 13.01% | 8.58% | -0.06% |
| Q3 2024 | 12.14% | 12.14% | 13.15% | 8.76% | 0.20% |
| Q4 2024 | 12.71% | 12.71% | 13.72% | 8.96% | 0.20% |
| Q1 2025 | 12.73% | 12.73% | 13.74% | 9.09% | 0.09% |
| Q2 2025 | 13.02% | 13.02% | 14.05% | 9.16% | -0.01% |
| Q3 2025 | 13.31% | 13.31% | 14.34% | 9.32% | 0.31% |
| Q4 2025 | 13.25% | 13.25% | 14.29% | 9.30% | 0.08% |
| Q1 2026 | 13.26% | 13.26% | 14.31% | 9.27% | 0.12% |
| Q2 2026 | 12.94% | 12.94% | 13.98% | 9.29% | -0.01% |
The Cooperative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cooperative Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)