North Cambridge 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.
Return on assets climbed 2.22 percentage points in Q2 2026, from -0.95% to 1.27%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, North Cambridge Co-Operative Bank is 13th of 89 on return on assets, 1.27% as of Q2 2026, above the middle of the field. North Cambridge Co-Operative Bank reported 1.27% on return on assets for Q2 2026, 0.29 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 64.52% |
| Tier 1 risk-based capital ratio | 64.52% |
| Total risk-based capital ratio | 65.77% |
| Tier 1 leverage ratio | 29.10% |
| Equity capital to assets | 29.00% |
| Tangible equity to tangible assets | 29.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 4.15% |
| Net interest margin | 3.00% |
| Efficiency ratio | 97.52% |
| Yield on earning assets | 3.96% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.62% |
| Core deposits to total deposits | 89.63% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 69.22% |
| Securities to assets | 17.65% |
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 | 58.22% | 58.22% | 59.47% | 26.11% | 0.37% |
| Q4 2023 | 58.95% | 58.95% | 60.21% | 26.31% | 1.44% |
| Q1 2024 | 58.90% | 58.90% | 60.15% | 27.14% | 0.93% |
| Q2 2024 | 59.82% | 59.82% | 61.07% | 27.46% | 0.45% |
| Q3 2024 | 62.77% | 62.77% | 64.02% | 28.03% | 1.71% |
| Q4 2024 | 62.59% | 62.59% | 63.84% | 27.77% | 0.04% |
| Q1 2025 | 62.23% | 62.23% | 63.48% | 28.61% | 0.89% |
| Q2 2025 | 62.81% | 62.81% | 64.06% | 28.72% | 1.20% |
| Q3 2025 | 63.76% | 63.76% | 65.00% | 28.36% | 0.69% |
| Q4 2025 | 63.81% | 63.81% | 65.06% | 28.72% | 0.21% |
| Q1 2026 | 63.29% | 63.29% | 64.54% | 28.49% | -0.95% |
| Q2 2026 | 64.52% | 64.52% | 65.77% | 29.10% | 1.27% |
North Cambridge Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Cambridge 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 North Cambridge Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26567) · FFIEC NIC profile (RSSD 931270)