Mechanics 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.
Reserve coverage of non-performing loans climbed 46.64 percentage points in Q2 2026, from 1130.51% to 1177.15%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Mechanics Cooperative Bank is 11th of 89 on return on assets, 1.36% as of Q2 2026, above the middle of the field. Mechanics Cooperative Bank reported 1.36% on return on assets for Q2 2026, 0.10 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.38% |
| Tier 1 risk-based capital ratio | 14.38% |
| Total risk-based capital ratio | 15.37% |
| Tier 1 leverage ratio | 12.38% |
| Equity capital to assets | 13.19% |
| Tangible equity to tangible assets | 12.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.07% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.48% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | 1177.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 10.19% |
| Net interest margin | 4.35% |
| Efficiency ratio | 54.01% |
| Yield on earning assets | 6.41% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.75% |
| Core deposits to total deposits | 80.87% |
| Brokered deposits to total deposits | 4.37% |
| Deposits to assets | 75.61% |
| Securities to assets | 9.17% |
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 | 17.80% | 17.80% | 18.78% | 13.63% | 1.15% |
| Q4 2023 | 17.76% | 17.76% | 18.71% | 13.34% | 1.17% |
| Q1 2024 | 17.44% | 17.44% | 18.39% | 12.85% | 0.83% |
| Q2 2024 | 16.93% | 16.93% | 17.89% | 12.70% | 0.83% |
| Q3 2024 | 16.71% | 16.71% | 17.70% | 12.51% | 0.98% |
| Q4 2024 | 15.14% | 15.14% | 16.08% | 12.25% | 0.87% |
| Q1 2025 | 15.58% | 15.58% | 16.53% | 12.38% | 1.18% |
| Q2 2025 | 16.15% | 16.15% | 17.11% | 12.78% | 1.37% |
| Q3 2025 | 15.59% | 15.59% | 16.53% | 12.89% | 1.35% |
| Q4 2025 | 15.33% | 15.33% | 16.32% | 12.99% | 1.13% |
| Q1 2026 | 14.29% | 14.29% | 15.29% | 12.06% | 1.13% |
| Q2 2026 | 14.38% | 14.38% | 15.37% | 12.38% | 1.36% |
Mechanics Cooperative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mechanics 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 Mechanics Cooperative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26634) · FFIEC NIC profile (RSSD 183770)