Reading 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 635.09 percentage points higher than in Q1 2026, at 996.93%. Within Massachusetts, Reading Co-Operative Bank is 74th of 89 on return on assets, 0.42% as of Q2 2026. Reading Co-Operative Bank's return on assets of 0.42% is well below the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.85 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.61% |
| Tier 1 risk-based capital ratio | 10.61% |
| Total risk-based capital ratio | 11.33% |
| Tier 1 leverage ratio | 7.35% |
| Equity capital to assets | 6.49% |
| Tangible equity to tangible assets | 5.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 0.73% |
| Allowance for credit losses to loans | 0.57% |
| Reserve coverage of non-performing loans | 996.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.42% |
| Return on equity | 6.41% |
| Net interest margin | 3.32% |
| Efficiency ratio | 80.16% |
| Yield on earning assets | 5.33% |
| Cost of funds | 2.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.46% |
| Core deposits to total deposits | 83.35% |
| Brokered deposits to total deposits | 3.31% |
| Deposits to assets | 85.56% |
| Securities to assets | 11.32% |
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 | 12.07% | 12.07% | 12.92% | 7.91% | 0.14% |
| Q4 2023 | 11.91% | 11.91% | 12.81% | 7.76% | 0.04% |
| Q1 2024 | 11.97% | 11.97% | 12.84% | 7.66% | 0.11% |
| Q2 2024 | 11.71% | 11.71% | 12.57% | 7.63% | 0.16% |
| Q3 2024 | 11.59% | 11.59% | 12.40% | 7.66% | 0.24% |
| Q4 2024 | 11.45% | 11.45% | 12.26% | 7.68% | 0.34% |
| Q1 2025 | 11.54% | 11.54% | 12.36% | 7.71% | 0.23% |
| Q2 2025 | 9.82% | 9.82% | 10.62% | 6.92% | 0.36% |
| Q3 2025 | 10.44% | 10.44% | 11.23% | 6.84% | 0.96% |
| Q4 2025 | 10.29% | 10.29% | 10.99% | 7.01% | 0.47% |
| Q1 2026 | 10.62% | 10.62% | 11.33% | 7.14% | 0.43% |
| Q2 2026 | 10.61% | 10.61% | 11.33% | 7.35% | 0.42% |
Reading Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Reading 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 Reading Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26620) · FFIEC NIC profile (RSSD 1008674)