Pittsfield 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.
Reserve coverage of non-performing loans dropped 16.50 percentage points in Q2 2026, from 204.18% to 187.68%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Pittsfield Co-Operative Bank is 80th of 89 on return on assets, 0.27% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Pittsfield Co-Operative Bank reported 0.27% on return on assets in Q2 2026, 0.98 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.63% |
| Tier 1 risk-based capital ratio | 18.63% |
| Total risk-based capital ratio | 19.36% |
| Tier 1 leverage ratio | 13.41% |
| Equity capital to assets | 12.32% |
| Tangible equity to tangible assets | 12.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.16% |
| Allowance for credit losses to loans | 0.68% |
| Reserve coverage of non-performing loans | 187.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.27% |
| Return on equity | 2.19% |
| Net interest margin | 3.14% |
| Efficiency ratio | 91.32% |
| Yield on earning assets | 5.21% |
| Cost of funds | 2.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.66% |
| Core deposits to total deposits | 83.40% |
| Brokered deposits to total deposits | 4.58% |
| Deposits to assets | 72.59% |
| Securities to assets | 14.92% |
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 | 18.45% | 18.45% | 19.38% | 13.49% | 0.53% |
| Q4 2023 | 21.84% | 21.84% | 22.68% | 15.39% | 0.95% |
| Q1 2024 | 21.79% | 21.79% | 22.64% | 15.54% | 0.34% |
| Q2 2024 | 22.96% | 22.96% | 23.85% | 15.91% | -0.23% |
| Q3 2024 | 21.32% | 21.32% | 22.15% | 15.45% | 0.03% |
| Q4 2024 | 21.77% | 21.77% | 22.63% | 15.06% | 0.06% |
| Q1 2025 | 20.75% | 20.75% | 21.59% | 14.90% | 0.06% |
| Q2 2025 | 21.69% | 21.69% | 22.47% | 14.85% | 0.12% |
| Q3 2025 | 20.45% | 20.45% | 21.19% | 14.58% | -0.20% |
| Q4 2025 | 19.35% | 19.35% | 20.09% | 14.11% | -1.16% |
| Q1 2026 | 19.09% | 19.09% | 19.85% | 13.71% | 0.13% |
| Q2 2026 | 18.63% | 18.63% | 19.36% | 13.41% | 0.27% |
Pittsfield Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pittsfield 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 Pittsfield Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26393) · FFIEC NIC profile (RSSD 1000276)