Methuen 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.
Loan-to-deposit ratio climbed 3.35 percentage points in Q2 2026, from 80.76% to 84.11%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Methuen Co-Operative Bank is 53rd of 89 on return on assets, 0.58% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Methuen Co-Operative Bank reported 0.58% on return on assets in Q2 2026, 0.67 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.36% |
| Equity capital to assets | 9.43% |
| Tangible equity to tangible assets | 9.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.06% |
| Non-performing assets ratio | 0.81% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.35% |
| Allowance for credit losses to loans | 0.34% |
| Reserve coverage of non-performing loans | 31.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 6.23% |
| Net interest margin | 3.19% |
| Efficiency ratio | 77.14% |
| Yield on earning assets | 4.66% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.11% |
| Core deposits to total deposits | 79.75% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.30% |
| Securities to assets | 11.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.03% | 0.45% | 2.83% | 0.60% | 0.00% |
| Q4 2023 | 9.08% | 0.28% | 2.85% | 0.64% | 0.00% |
| Q1 2024 | 9.08% | 0.10% | 2.67% | 0.62% | 0.00% |
| Q2 2024 | 8.96% | 0.25% | 2.61% | 0.59% | 0.00% |
| Q3 2024 | 8.85% | 0.34% | 2.74% | 0.78% | 0.00% |
| Q4 2024 | 9.00% | 0.33% | 2.76% | 0.91% | 0.00% |
| Q1 2025 | 9.24% | 0.28% | 2.90% | 1.12% | 0.00% |
| Q2 2025 | 9.29% | 0.45% | 3.01% | 1.09% | 0.00% |
| Q3 2025 | 9.30% | 0.41% | 3.04% | 1.30% | 0.00% |
| Q4 2025 | 9.27% | 0.34% | 3.07% | 1.20% | 0.00% |
| Q1 2026 | 9.29% | 0.32% | 3.01% | 1.08% | 0.00% |
| Q2 2026 | 9.36% | 0.58% | 3.19% | 1.06% | 0.00% |
Methuen Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Methuen 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 Methuen Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26512) · FFIEC NIC profile (RSSD 157379)