Bank call report · Reading, MA
Reading Co-Operative Bank Call Report
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Reading Co-Operative Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 338 reported line items, schedule by schedule (740 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 1008674 |
| FDIC certificate number | 26620 |
| Total assets | $1.19B |
Official Q2 2026 call report PDF (FFIEC) →
Reading Co-Operative Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Reading Co-Operative Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.19B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.19B |
| Total Liabilities and Minority Interest | RCON2948 | $1.11B |
| Total Deposits | RCON2200 | $1.02B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $969.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $963.9M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $824.6M |
| Deposits: Noninterest-bearing | RCON6631 | $190.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $134.4M |
| Surplus | RCON3839 | $91.4M |
| Total Equity Capital | RCON3210 | $77.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $77.0M |
| Other Borrowed Money | RCON3190 | $71.1M |
| Other Assets | RCON2160 | $55.5M |
| Other Liabilities, Total | RCON2930 | $23.3M |
| Accumulated Other Comprehensive Income | RCONB530 | -$14.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $12.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $8.9M |
| Intangible Assets | RCON2143 | $7.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $5.5M |
| Federal Funds Sold | RCONB987 | $3.4M |
| Goodwill | RCON3163 | $1.7M |
| Interest-bearing Balances | RCON0071 | $1.4M |
Schedule RI: Income Statement (38 items)
About Schedule RI · Reading Co-Operative Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $29.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $27.0M |
| Net Interest Income | RIAD4074 | $18.5M |
| Total Noninterest Expense | RIAD4093 | $16.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $13.4M |
| Total Interest Expense | RIAD4073 | $11.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $10.9M |
| Salaries and Employee Benefits | RIAD4135 | $8.1M |
| Other Noninterest Expense | RIAD4092 | $6.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $4.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $3.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $3.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.5M |
| Net Income (Loss) | RIAD4340 | $2.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.5M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $2.1M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.0M |
| Total Noninterest Income | RIAD4079 | $1.4M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $1.2M |
| Other Noninterest Income | RIADB497 | $1.2M |
| Other Interest Expense | RIADGW44 | $876K |
| Applicable Income Taxes | RIAD4302 | $706K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $612K |
| Provision for Loan and Lease Losses | RIAD4230 | $583K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $490K |
| Interest on Other Securities | RIAD4060 | $389K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $270K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $246K |
| Other Interest Income | RIAD4518 | $188K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $160K |
| Net Servicing Fees | RIADB492 | $54K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $19K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $19K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$13K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 117 |
Schedule RC-B: Securities (22 items)
About Schedule RC-B · Reading Co-Operative Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $152.6M |
| Pledged Securities | RCON0416 | $132.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $127.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $111.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $111.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $16.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $15.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $11.2M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $7.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $7.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $4.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $3.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $2.1M |
| Amortized Cost of Structured Notes | RCON8782 | $2.0M |
| Fair Value of Structured Notes | RCON8783 | $1.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $866K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $504K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $500K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $484K |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $366K |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $366K |
Schedule RC-C, Part I: Loans and Leases (30 items)
About Schedule RC-C, Part I · Reading Co-Operative Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $969.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $532.0M |
| Pledged Loans and Leases | RCONG378 | $467.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $289.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $218.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $167.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $122.8M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $121.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $118.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $105.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $97.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $81.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $72.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $68.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $63.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $55.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $47.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $39.6M |
| Commercial and Industrial Loans | RCON1766 | $39.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $37.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $29.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $22.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $21.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $20.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $11.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $11.0M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $773K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $38K |
| Other Loans | RCONJ464 | $26K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $4K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $52.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $18.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $14.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $5.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $151K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 211 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 121 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 99 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 63 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 34 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 13 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · Reading Co-Operative Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $745.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $682.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $298.9M |
| Total Transaction Accounts | RCON2215 | $269.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $258.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $192.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $148.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $147.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $135.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $122.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $95.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $85.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $78.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $68.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $63.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $62.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $44.6M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $33.6M |
| Total Brokered Deposits | RCON2365 | $33.6M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $24.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $14.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $13.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $12.9M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $11.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $5.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.1M |
Schedule RC-F: Other Assets (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $17.0M |
| Other Assets | RCON2168 | $13.7M |
| Net Deferred Tax Assets | RCON2148 | $11.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $7.0M |
| Accrued Interest Receivable | RCONB556 | $3.8M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $2.7M |
| Prepaid Expenses | RCON2166 | $1.5M |
| Third Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3551 | $740K |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $618K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $214K |
| Accounts Receivable | RCONFT34 | $167K |
Schedule RC-G: Other Liabilities (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $19.7M |
| Operating lease liabilities | RCONLB56 | $11.4M |
| Deferred Compensation Liabilities | RCONC011 | $7.8M |
| Other Expenses Accrued and Unpaid | RCON3646 | $2.9M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $415K |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $357K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $265K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Reading Co-Operative Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.16B |
| Quarterly Average of Total Loans | RCON3360 | $954.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $534.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $430.9M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $355.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $147.5M |
| Mortgage-backed Securities | RCONB559 | $129.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $119.4M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $86.5M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $55.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $40.4M |
| All Other Securities | RCONB560 | $24.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $22.8M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $5.9M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $870K |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $645K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Reading Co-Operative Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $58.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $35.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $31.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $25.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $23.2M |
| Commercial and Similar Letters of Credit | RCON3411 | $19.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $18.0M |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Reading Co-Operative Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $71.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $71.1M |
| All other intangible assets | RCONJF76 | $4.6M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.4M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $887K |
| Mortgage Servicing Assets | RCON3164 | $887K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (12 items)
About Schedule RC-N · Reading Co-Operative Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $3.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $1.9M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $613K |
| Additions to Nonaccrual Assets | RCONC410 | $559K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $553K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $282K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $252K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $250K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $181K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $180K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $128K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $21K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Reading Co-Operative Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.16B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.02B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $565.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $436.5M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $314.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $91.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $12.4M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.6M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 33,997 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 625 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 544 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 5 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Reading Co-Operative Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $802.1M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Reading Co-Operative Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.16B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.16B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $802.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $91.4M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $90.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $85.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $85.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $85.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $77.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$14.3M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$14.2M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $6.3M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $5.8M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $5.8M |
| Tier 2 Capital Before Deductions | RCOAP870 | $5.8M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $4.6M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.7M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$123K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1133 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1061 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1061 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0735 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0333 |
Schedule RC-R, Part II: Risk-Weighted Assets (62 items)
About Schedule RC-R, Part II · Reading Co-Operative Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $802.1M |
| Total Risk-weighted Assets | RCONG641 | $802.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $633.7M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $633.7M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $616.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $616.1M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $450.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $450.7M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $405.6M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $352.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $341.1M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $316.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $134.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $119.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $111.6M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $98.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $90.3M |
| Total All Other Assets | RCOND981 | $74.9M |
| Unconditionally Cancellable Commitments | RCONS540 | $58.0M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $56.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $49.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $49.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $45.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $45.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $42.0M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $23.8M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $19.2M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$18.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $17.5M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$17.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $11.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $10.3M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $7.9M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $6.3M |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $5.8M |
| Off-balance Sheet Securitization Exposures - Gross-up Risk Weight Exposure, by Calculation Method | RCONS499 | $5.8M |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $5.8M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $5.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $4.7M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $4.1M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $4.0M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 20 Pct Risk Weight Category | RCONG609 | $3.8M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $3.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 20% | RCONS528 | $3.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $3.5M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $3.4M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $3.4M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $3.1M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $2.7M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $2.7M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $2.7M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $2.2M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $1.8M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $887K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $887K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $887K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $532K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $32K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $21K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $21K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $21K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $21K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $77.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $74.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $74.3M |
| Other Comprehensive Income | RIADB511 | $289K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Reading Co-Operative Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $448K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $298K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $150K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $51K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $51K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Reading Co-Operative Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $5.5M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $5.3M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $448K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $29K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $5.5M |
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $5.5M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $4.1M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $4.1M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $534K |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $534K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $332K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $332K |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $286K |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $286K |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $252K |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $252K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $93.6M |
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $87.8M |
Reading Co-Operative Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Reading Co-Operative Bank call report?
The Reading Co-Operative Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Reading Co-Operative Bank file?
Reading Co-Operative Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Reading Co-Operative Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Reading Co-Operative Bank has Federal Reserve RSSD ID 1008674 and FDIC certificate number 26620. Either one finds its filings on the FFIEC Central Data Repository.
How often does Reading Co-Operative Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Reading Co-Operative Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 26620) · FFIEC NIC profile (RSSD 1008674)