Dean Co-Operative 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.
Reserve coverage of non-performing loans dropped 671.50 percentage points in Q2 2026, from 1337.23% to 665.73%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Dean Co-Operative Bank is 78th of 89 on return on assets, 0.38% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Dean Co-Operative Bank reported 0.38% on return on assets in Q2 2026, 0.87 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.42% |
| Tier 1 risk-based capital ratio | 13.42% |
| Total risk-based capital ratio | 14.44% |
| Tier 1 leverage ratio | 8.26% |
| Equity capital to assets | 6.71% |
| Tangible equity to tangible assets | 6.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.28% |
| Allowance for credit losses to loans | 0.87% |
| Reserve coverage of non-performing loans | 665.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.38% |
| Return on equity | 5.74% |
| Net interest margin | 3.22% |
| Efficiency ratio | 86.73% |
| Yield on earning assets | 4.53% |
| Cost of funds | 1.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.58% |
| Core deposits to total deposits | 90.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.08% |
| Securities to assets | 20.98% |
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 | 13.61% | 13.61% | 14.77% | 8.18% | 0.24% |
| Q4 2023 | 13.37% | 13.37% | 14.51% | 8.05% | 0.11% |
| Q1 2024 | 13.34% | 13.34% | 14.47% | 8.07% | 0.06% |
| Q2 2024 | 13.45% | 13.45% | 14.59% | 8.08% | 0.10% |
| Q3 2024 | 13.50% | 13.50% | 14.63% | 8.10% | 0.11% |
| Q4 2024 | 13.17% | 13.17% | 14.27% | 7.98% | 0.15% |
| Q1 2025 | 13.10% | 13.10% | 14.19% | 8.01% | 0.22% |
| Q2 2025 | 13.11% | 13.11% | 14.19% | 8.02% | 0.25% |
| Q3 2025 | 13.30% | 13.30% | 14.38% | 8.11% | 0.33% |
| Q4 2025 | 13.29% | 13.29% | 14.36% | 8.14% | 0.35% |
| Q1 2026 | 13.60% | 13.60% | 14.64% | 8.25% | 0.40% |
| Q2 2026 | 13.42% | 13.42% | 14.44% | 8.26% | 0.38% |
Dean Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dean Co-Operative 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 Dean Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27269) · FFIEC NIC profile (RSSD 271275)