Pittsfield Co-Operative Bank
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Data as of · sourced from FFIEC call reports. How we update
Pittsfield Co-Operative Bank is an FDIC-insured savings bank headquartered in Pittsfield, MA, established in 1889 (FDIC certificate 26393), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $451.5M, up 6.8% from Q2 2025, the 71st largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 18.63% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26393
- Headquarters
- Pittsfield, MA
- Established
- 1889
- Total assets, Q2 2026
- $451.5M
- Assets vs Q2 2025
- +6.8%
- CET1 ratio, Q2 2026
- 18.63%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 211870142
- Latest call report
- Q2 2026, FFIEC 051 · Pittsfield Co-Operative Bank call report
- Asset rank in state
- 71st of 89 in Massachusetts
Pittsfield Co-Operative Bank spends more to run itself than most banks of its size. The Pittsfield, Massachusetts bank had $452 million in assets at June 30, 2026, up 6.8% from a year earlier. It earns about $0.27 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 91 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $303,000, 133% above the same quarter a year earlier. Over the same year, loans grew 19.7% and deposits grew 4.4%. Its margin is thin by comparison: it keeps 3.14 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Pittsfield Co-Operative Bank reported a CET1 capital ratio of 18.63%, a return on assets of 0.27%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.16%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pittsfield Co-Operative Bank is the 71st largest of the 89 banks headquartered in Massachusetts. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $451.5M, loans rose 4.0% and deposits rose 1.4%. 1-4 family residential loans made up 65.1% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 9.7%. The FDIC Summary of Deposits lists 5 offices for it, in Pittsfield, MA, Dalton, MA and Great Barrington, MA; its Pittsfield 3 offices book 69% of its branch deposits. On its Q2 2026 call report, Pittsfield Co-Operative Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 70 South St, Pittsfield, MA 01201
- County
- Berkshire
- Metro Area
- Pittsfield, MA
- 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, 1889
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 73
- Domestic deposits
- $327.7M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $453.0M
- Average total loans
- $326.7M
- Average interest-bearing deposits
- $249.8M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- October 8, 1985
- FDIC Cert
- 26393
- Fed RSSD
- 1000276
- Website
- www.pittsfield-coop.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
Over the 12 quarters to Q2 2026, Pittsfield Co-Operative Bank's total assets ran between $378.1M (Q2 2024) and $451.5M (Q2 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$451.5M total assets against $422.9M; $395.9M total liabilities against $367.9M.
$343.9M net loans and leases against $287.1M; $327.7M total deposits against $314.0M.
$67.4M securities against $72.0M; $11.4M cash and balances due against $32.5M.
$5.4M total interest income against $4.4M; $2.1M total interest expense against $1.7M.
$3.2M net interest income against $2.7M.
$841K total noninterest income against $371K; $3.7M total noninterest expense against $3.2M.
$6K provision for credit losses against -$282K.
$303K net income against $130K.
0.27% return on assets against 0.12%; 3.14% net interest margin against 2.85%.
18.63% CET1 capital ratio against 21.69%; 13.41% tier 1 leverage ratio against 14.85%.
Inside the full Pittsfield Co-Operative Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Pittsfield Co-Operative Bank rankings
Its closest position to the top of a national ranking is 424 of 2,134, for CET1 ratio; its furthest is 3,490 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.16% (Q4 2025) to 0.27% (Q2 2026) and its net interest margin ran from 2.64% (Q3 2024) to 3.22% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.63% | 0.27% | 0.36% | 2.16% | 3.14% |
| Q1 2026 | 19.09% | 0.13% | 0.34% | 1.99% | 3.14% |
| Q4 2025 | 19.35% | -1.16% | 0.35% | 1.94% | 3.22% |
| Q3 2025 | 20.45% | -0.20% | 0.49% | 2.56% | 2.83% |
| Q2 2025 | 21.69% | 0.12% | 0.48% | 2.43% | 2.85% |
| Q1 2025 | 20.75% | 0.06% | 0.42% | 2.07% | 2.73% |
| Q4 2024 | 21.77% | 0.06% | 0.56% | 2.74% | 2.69% |
| Q3 2024 | 21.32% | 0.03% | 0.58% | 2.71% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → 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 |
|---|---|---|---|
| The Pittsfield Co-Operative Bank | Pittsfield , MA | 01201 | $153.1M |
| Dalton Branch | Dalton , MA | 01226 | $60.3M |
| Great Barrington Branch | Great Barrington , MA | 01230 | $39.9M |
| Williams Street Branch | Pittsfield , MA | 01201 | $38.8M |
| Dalton Avenue Branch | Pittsfield , MA | 01201 | $35.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 85 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 216 applications, 162 loans originated, $49.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $125K approved, $62K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Pittsfield Co-Operative Bank
What are Pittsfield Co-Operative Bank's total assets?
As of the Q2 2026 filing, Pittsfield Co-Operative Bank reported total assets of $451.5 million in its FFIEC call report.
Where is Pittsfield Co-Operative Bank headquartered?
It is headquartered in Pittsfield, MA, United States.
When was Pittsfield Co-Operative Bank founded?
It was established in 1889, per the FDIC institution directory.
Is Pittsfield Co-Operative Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #26393). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pittsfield Co-Operative Bank?
Pittsfield Co-Operative Bank's primary federal regulator is the FDIC.
What is Pittsfield Co-Operative Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pittsfield Co-Operative Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pittsfield Co-Operative Bank's Texas Ratio?
Its Texas Ratio is 2.16% 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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