Stonehambank
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Data as of · sourced from FFIEC call reports. How we update
Stonehambank is an FDIC-insured savings bank headquartered in Stoneham, MA, established in 1887 (FDIC certificate 26559), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $918.3M, up 7.7% from Q2 2025, the 51st largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 12.51% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26559
- Headquarters
- Stoneham, MA
- Established
- 1887
- Total assets, Q2 2026
- $918.3M
- Assets vs Q2 2025
- +7.7%
- CET1 ratio, Q2 2026
- 12.51%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 211371586
- Holding company
- 1887 BANCORP, MHC
- Asset rank in state
- 51st of 89 in Massachusetts
Stonehambank, based in Stoneham, Massachusetts, reported $918 million in assets at June 30, 2026, up 7.7% from a year earlier. It keeps 2.99 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
Unrealized losses on its securities total $15 million, equal to 18% of Tier 1 capital, against 23% a year earlier. Net income for the quarter rose 13% from a year earlier, to $1.2 million. Where it has less room is capital: it funds 8.94% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Stonehambank reported a CET1 capital ratio of 12.51%, a return on assets of 0.50%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 2.97%. The figures come from its call report filed with the FFIEC.
Stonehambank ranks as the 51st largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $918.3M, loans fell 0.7% and deposits rose 3.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.6% of total loans, followed by non-owner-occupied commercial real estate loans at 16.7%. Its 2 offices in the FDIC Summary of Deposits are in Stoneham, MA and Billerica, MA; its Stoneham office books 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, Stonehambank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 80 Montvale Ave, Stoneham, MA 02180
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1887
- Former names
- StonehamBank, A Co-operative Bank (2002)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 77
- Domestic deposits
- $773.2M
- Allowance for credit losses
- $7.3M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $924.8M
- Average total loans
- $721.3M
- Average interest-bearing deposits
- $736.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- February 14, 1986
- FDIC Cert
- 26559
- Fed RSSD
- 954279
- Website
- stonehambank.com →
- Parent Holding Company
- 1887 BANCORP, MHC (RSSD 6128326)
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
From Q3 2023 to Q2 2026, Stonehambank's total assets ranged from $774.0M (Q4 2023) to $918.3M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$918.3M total assets against $852.9M; $847.3M total liabilities against $789.0M.
$711.5M net loans and leases against $679.0M; $773.2M total deposits against $715.6M.
$96.9M securities against $91.8M; $85.0M cash and balances due against $57.6M.
$11.7M total interest income against $10.2M; $4.9M total interest expense against $4.7M.
$6.8M net interest income against $5.4M.
$570K total noninterest income against $764K; $5.5M total noninterest expense against $4.9M.
$536K provision for credit losses against $0.
$1.2M net income against $1.0M.
0.50% return on assets against 0.48%; 2.99% net interest margin against 2.60%.
12.51% CET1 capital ratio against 12.88%; 8.94% tier 1 leverage ratio against 9.10%.
Inside the full Stonehambank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Stonehambank rankings
Its closest position to the top of a national ranking is 1,114 of 4,196, for total assets; its furthest is 3,240 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.27% (Q1 2025) to 0.65% (Q3 2025) and its net interest margin ran from 2.14% (Q3 2024) to 2.99% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.51% | 0.50% | 0.32% | 2.97% | 2.99% |
| Q1 2026 | 12.47% | 0.49% | 0.02% | 0.15% | 2.85% |
| Q4 2025 | 12.43% | 0.58% | 0.02% | 0.16% | 2.85% |
| Q3 2025 | 12.40% | 0.65% | 0.02% | 0.17% | 2.88% |
| Q2 2025 | 12.88% | 0.48% | 0.15% | 1.48% | 2.60% |
| Q1 2025 | 13.06% | -0.27% | 0.16% | 1.53% | 2.29% |
| Q4 2024 | 13.21% | 0.17% | 0.16% | 1.58% | 2.18% |
| Q3 2024 | 13.06% | 0.13% | 0.05% | 0.47% | 2.14% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Stonehambank, A Co-Operative Bank | Stoneham , MA | 02180 | $559.3M |
| Billerica Branch | Billerica , MA | 01821 | $213.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MA, rank 64 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 116 applications, 78 loans originated, $76.8M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Stonehambank
What are Stonehambank's total assets?
As of the Q2 2026 filing, Stonehambank reported total assets of $918.3 million in its FFIEC call report.
Where is Stonehambank headquartered?
It is headquartered in Stoneham, MA, United States.
When was Stonehambank founded?
It was established in 1887, per the FDIC institution directory.
Is Stonehambank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #26559). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stonehambank?
Stonehambank's primary federal regulator is the FDIC.
What is Stonehambank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.51% in its Q2 2026 call report, above regulatory requirements.
How many branches does Stonehambank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Stonehambank's Texas Ratio?
Its Texas Ratio is 2.97% 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.
What was Stonehambank previously called?
The charter now named Stonehambank has also operated as StonehamBank, A Co-operative Bank (2002), per FDIC structure-change records.
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