Stoughton Co-Operative Bank
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Data as of · sourced from FFIEC call reports. How we update
Stoughton Co-Operative Bank is an FDIC-insured commercial bank headquartered in Stoughton, MA, established in 1886 (FDIC certificate 26513), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $135.2M, up 2.8% from Q2 2025, the 87th largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 26513
- Headquarters
- Stoughton, MA
- Established
- 1886
- Total assets, Q2 2026
- $135.2M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 10.00%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 211371793
- Latest call report
- Q2 2026, FFIEC 051 · Stoughton Co-Operative Bank call report
- Asset rank in state
- 87th of 89 in Massachusetts
Stoughton Co-Operative Bank, based in Stoughton, Massachusetts, reported $135 million in assets at June 30, 2026, up 2.8% from a year earlier. It keeps 2.92 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). On the other hand, it holds commercial real estate loans equal to only 14% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $246,000, 30% above the same quarter a year earlier. Profitability lags: it earns about $0.73 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Stoughton Co-Operative Bank reported a return on assets of 0.73%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Stoughton Co-Operative Bank ranks as the 87th 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 0.7% to $135.2M, loans fell 1.6% and deposits rose 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 88.7% of total loans, ahead of commercial and industrial loans at 4.0%. Its one office in the FDIC Summary of Deposits is in Stoughton, MA. By the capital ratios in its Q2 2026 call report, Stoughton Co-Operative Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 950 Park St, Stoughton, MA 02072
- County
- Norfolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1886
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $117.1M
- Allowance for credit losses
- $734K
- Net charge-offs (YTD)
- $0
- Average total assets
- $135.6M
- Average total loans
- $108.8M
- Average interest-bearing deposits
- $109.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- January 21, 1986
- FDIC Cert
- 26513
- Fed RSSD
- 164975
- Website
- www.stoughtoncoop.bank →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Stoughton Co-Operative Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Stoughton Co-Operative Bank's total assets moved between a low of $123.1M (Q3 2023) and a high of $135.3M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$135.2M total assets against $131.4M; $122.4M total liabilities against $119.8M.
$107.2M net loans and leases against $106.4M; $117.1M total deposits against $116.5M.
$11.8M securities against $13.0M; $11.0M cash and balances due against $6.8M.
$1.5M total interest income against $1.5M; $557K total interest expense against $579K.
$957K net interest income against $879K.
$51K total noninterest income against $54K; $675K total noninterest expense against $683K.
$0 provision for credit losses against $0.
$246K net income against $189K.
0.73% return on assets against 0.57%; 2.92% net interest margin against 2.75%.
10.00% tier 1 leverage ratio against 9.61%.
Inside the full Stoughton Co-Operative Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeStoughton Co-Operative Bank rankings
Its closest position to the top of a national ranking is 2,487 of 3,606, for efficiency ratio; its furthest is 3,596 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.18% (Q3 2024) to 0.73% (Q2 2026) and its net interest margin ran from 2.26% (Q3 2024) to 2.94% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.00% | 0.73% | 0.00% | 0.00% | 2.92% |
| Q1 2026 | 9.84% | 0.67% | 0.00% | 0.00% | 2.86% |
| Q4 2025 | 9.61% | 0.44% | 0.00% | 0.00% | 2.94% |
| Q3 2025 | 9.60% | 0.51% | 0.00% | 0.00% | 2.66% |
| Q2 2025 | 9.61% | 0.57% | 0.14% | 1.19% | 2.75% |
| Q1 2025 | 9.42% | 0.50% | 0.14% | 1.21% | 2.54% |
| Q4 2024 | 9.32% | 0.18% | 0.14% | 1.25% | 2.30% |
| Q3 2024 | 9.57% | 0.18% | 0.15% | 1.26% | 2.26% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Stoughton Co-Operative Bank (main office) | Stoughton , MA | 02072 | $117.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 104 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Stoughton Co-Operative Bank
What are Stoughton Co-Operative Bank's total assets?
As of the Q2 2026 filing, Stoughton Co-Operative Bank reported total assets of $135.2 million in its FFIEC call report.
Where is Stoughton Co-Operative Bank headquartered?
It is headquartered in Stoughton, MA, United States.
When was Stoughton Co-Operative Bank founded?
It was established in 1886, per the FDIC institution directory.
Is Stoughton Co-Operative Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26513). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stoughton Co-Operative Bank?
Stoughton Co-Operative Bank's primary federal regulator is the Federal Reserve.
How many branches does Stoughton Co-Operative Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Stoughton Co-Operative Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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