Savers 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: 15.55 percentage points lower than in Q1 2026, at 36.19%. Within Massachusetts, Savers Co-Operative Bank is 44th of 89 on return on assets, 0.67% as of Q2 2026, above the middle of the field. Savers Co-Operative Bank reported 0.67% on return on assets for Q2 2026, 0.59 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.30% |
| Equity capital to assets | 10.40% |
| Tangible equity to tangible assets | 10.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.79% |
| Non-performing assets ratio | 2.96% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 25.81% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 36.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.67% |
| Return on equity | 6.67% |
| Net interest margin | 3.08% |
| Efficiency ratio | 69.55% |
| Yield on earning assets | 5.00% |
| Cost of funds | 1.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.89% |
| Core deposits to total deposits | 79.10% |
| Brokered deposits to total deposits | 5.98% |
| Deposits to assets | 71.80% |
| Securities to assets | 15.50% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.20% | 0.46% | 2.63% | 0.83% | 0.01% |
| Q4 2023 | 11.27% | 0.66% | 2.62% | 0.80% | 0.02% |
| Q1 2024 | 11.49% | 0.30% | 2.46% | 0.79% | 0.01% |
| Q2 2024 | 11.48% | 0.54% | 2.78% | 0.82% | 0.02% |
| Q3 2024 | 11.08% | 0.44% | 2.53% | 0.75% | 0.01% |
| Q4 2024 | 11.04% | 0.57% | 2.67% | 0.65% | 0.03% |
| Q1 2025 | 11.12% | 0.53% | 2.67% | 0.68% | 0.01% |
| Q2 2025 | 10.97% | -0.21% | 2.70% | 1.52% | 0.07% |
| Q3 2025 | 10.93% | 0.66% | 2.86% | 1.50% | 0.03% |
| Q4 2025 | 10.92% | -0.33% | 2.87% | 2.64% | 1.35% |
| Q1 2026 | 11.02% | 0.66% | 2.95% | 2.52% | 0.06% |
| Q2 2026 | 11.30% | 0.67% | 3.08% | 3.79% | 0.01% |
Savers Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Savers 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 Savers Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26455) · FFIEC NIC profile (RSSD 1002373)