North Cambridge Co-Operative Bank
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Data as of · sourced from FFIEC call reports. How we update
North Cambridge Co-Operative Bank is an FDIC-insured savings bank headquartered in Cambridge, MA, established in 1912 (FDIC certificate 26567), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $87.1M, up 2.2% from Q2 2025, the 88th largest of 89 banks headquartered in Massachusetts.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26567
- Headquarters
- Cambridge, MA
- Established
- 1912
- Total assets, Q2 2026
- $87.1M
- Assets vs Q2 2025
- +2.2%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 211371670
- Latest call report
- Q2 2026, FFIEC 051 · North Cambridge Co-Operative Bank call report
- Asset rank in state
- 88th of 89 in Massachusetts
North Cambridge Co-Operative Bank, based in Cambridge, Massachusetts, reported $87 million in assets at June 30, 2026, up 2.2% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). On the other hand, it spends about 98 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
Loans and deposits moved in opposite directions: over the year loans fell 5.6% and deposits rose 2.0%. Its margin is thin by comparison: it keeps 3.00 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, North Cambridge Co-Operative Bank reported a CET1 capital ratio of 64.52%, a return on assets of 1.27%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, North Cambridge Co-Operative Bank is the 88th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $87.1M, loans fell 4.2% and deposits rose 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 93.3% of total loans, ahead of multifamily loans at 3.7%. The FDIC Summary of Deposits lists a single office for it, in Cambridge, MA. By the capital ratios in its Q2 2026 call report, North Cambridge Co-Operative Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2360 Massachusetts Ave, Cambridge, MA 02140
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1912
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $60.3M
- Allowance for credit losses
- $458K
- Net charge-offs (YTD)
- $0
- Average total assets
- $81.6M
- Average total loans
- $45.2M
- Average interest-bearing deposits
- $53.1M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- February 5, 1986
- FDIC Cert
- 26567
- Fed RSSD
- 931270
- Website
- WWW.ASKNCCB.COM →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, North Cambridge Co-Operative Bank's total assets ranged from $82.8M (Q3 2024) to $88.1M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$87.1M total assets against $85.2M; $61.8M total liabilities against $60.5M.
$44.5M net loans and leases against $47.2M; $60.3M total deposits against $59.1M.
$15.4M securities against $13.2M; $26.6M cash and balances due against $24.2M.
$794K total interest income against $809K; $193K total interest expense against $207K.
$601K net interest income against $602K.
$5K total noninterest income against $7K; $591K total noninterest expense against $620K.
$0 provision for credit losses against $0.
$260K net income against $245K.
1.27% return on assets against 1.20%; 3.00% net interest margin against 3.03%.
64.52% CET1 capital ratio against 62.81%; 29.10% tier 1 leverage ratio against 28.72%.
Inside the full North Cambridge Co-Operative Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.95% (Q1 2026) to 1.71% (Q3 2024) and its net interest margin ran from 2.94% (Q1 2025) to 3.36% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 64.52% | 1.27% | 0.00% | 0.00% | 3.00% |
| Q1 2026 | 63.29% | -0.95% | 0.00% | 0.00% | 3.01% |
| Q4 2025 | 63.81% | 0.21% | 0.00% | 0.00% | 3.01% |
| Q3 2025 | 63.76% | 0.69% | 0.00% | 0.00% | 3.03% |
| Q2 2025 | 62.81% | 1.20% | 0.00% | 0.00% | 3.03% |
| Q1 2025 | 62.23% | 0.89% | 0.00% | 0.00% | 2.94% |
| Q4 2024 | 62.59% | 0.04% | 0.00% | 0.00% | 3.09% |
| Q3 2024 | 62.77% | 1.71% | 0.00% | 0.00% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North Cambridge Co-Operative Bank (main office) | Cambridge , MA | 02140 | $60.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 109 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about North Cambridge Co-Operative Bank
What are North Cambridge Co-Operative Bank's total assets?
As of the Q2 2026 filing, North Cambridge Co-Operative Bank reported total assets of $87.1 million in its FFIEC call report.
Where is North Cambridge Co-Operative Bank headquartered?
It is headquartered in Cambridge, MA, United States.
When was North Cambridge Co-Operative Bank founded?
It was established in 1912, per the FDIC institution directory.
Is North Cambridge Co-Operative Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #26567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Cambridge Co-Operative Bank?
North Cambridge Co-Operative Bank's primary federal regulator is the FDIC.
What is North Cambridge Co-Operative Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 64.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does North Cambridge Co-Operative Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North Cambridge Co-Operative Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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