Stoughton 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.
Loan-to-deposit ratio dropped 2.08 percentage points in Q2 2026, from 94.25% to 92.17%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Stoughton Co-Operative Bank is 39th of 89 on return on assets, 0.73% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Stoughton Co-Operative Bank sits 0.53 points lower, at 0.73% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.00% |
| Equity capital to assets | 9.41% |
| Tangible equity to tangible assets | 9.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.68% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.73% |
| Return on equity | 7.81% |
| Net interest margin | 2.92% |
| Efficiency ratio | 66.70% |
| Yield on earning assets | 4.62% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.17% |
| Core deposits to total deposits | 81.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.62% |
| Securities to assets | 8.73% |
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 | 9.74% | 0.35% | 2.53% | 0.16% | 0.00% |
| Q4 2023 | 9.80% | 0.18% | 2.43% | 0.16% | 0.00% |
| Q1 2024 | 9.76% | 0.17% | 2.32% | 0.15% | 0.00% |
| Q2 2024 | 9.63% | 0.07% | 2.28% | 0.15% | 0.00% |
| Q3 2024 | 9.57% | 0.18% | 2.26% | 0.15% | 0.00% |
| Q4 2024 | 9.32% | 0.18% | 2.30% | 0.14% | 0.00% |
| Q1 2025 | 9.42% | 0.50% | 2.54% | 0.14% | 0.00% |
| Q2 2025 | 9.61% | 0.57% | 2.75% | 0.14% | 0.00% |
| Q3 2025 | 9.60% | 0.51% | 2.66% | 0.00% | 0.00% |
| Q4 2025 | 9.61% | 0.44% | 2.94% | 0.00% | 0.00% |
| Q1 2026 | 9.84% | 0.67% | 2.86% | 0.00% | 0.00% |
| Q2 2026 | 10.00% | 0.73% | 2.92% | 0.00% | 0.00% |
Stoughton Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stoughton 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 Stoughton Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26513) · FFIEC NIC profile (RSSD 164975)