The Cooperative Bank
The Cooperative Bank is an FDIC-insured savings bank headquartered in Roslindale, MA, supervised by the FDIC, with $549.4M in total assets at Q3 2026, up 1.9% from Q3 2025, the 67th largest of 89 banks headquartered in Massachusetts. It was established in 1898 and holds FDIC certificate 26922. Its CET1 capital ratio was 12.73% at Q3 2026, above regulatory requirements.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26922
- Headquarters
- Roslindale, MA
- Established
- 1898
- Total assets, Q3 2026
- $549.4M
- Assets vs Q3 2025
- +1.9%
- CET1 ratio, Q3 2026
- 12.73%
- Domestic offices
- 4 branches
- Safety and soundness
- Is The Cooperative Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · The Cooperative Bank call report
- Asset rank in state
- 67th of 89 in Massachusetts
The Cooperative Bank spends more to run itself than most banks of its size. It reported $549 million in assets at September 30, 2026, up 1.9% from a year earlier. It earns about $0.20 a year on every $100 of assets, a small fraction of the median of $1.30 for the 2,624 banks with $100 million to $1 billion in assets. It also spends about 90 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $265,000 was 36% below a year earlier. Over the same year, loans grew 4.3% and deposits grew 1.0%. Its margin is thin by comparison: it keeps 3.01 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 4.01 cents).
As of September 30, 2026, The Cooperative Bank reported a CET1 capital ratio of 12.73%, a return on assets of 0.20%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 4.79%. The figures come from its call report filed with the FFIEC.
The Cooperative Bank ranks as the 67th largest of the 89 banks based in Massachusetts, by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 0.2% to $549.4M, loans rose 1.7% and deposits fell 0.7%. The largest part of its loan book on September 30, 2026 was 1-4 family residential loans, at 65.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 11.2%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in MA; its Roslindale office books 36% of its branch deposits. By the capital ratios in its Q3 2026 call report, The Cooperative Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 40 Belgrade Ave, Roslindale, MA 02131
- County
- Suffolk
- 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
- —
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- 1898
- Domestic offices
- 4 branches
- Employees (FTE)
- 65
- Domestic deposits
- $454.6M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $539.5M
- Average total loans
- $457.5M
- Average interest-bearing deposits
- $360.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- March 18, 1987
- FDIC Cert
- 26922
- Fed RSSD
- 714978
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, The Cooperative Bank's total assets ran between $539.0M (Q3 2025) and $586.7M (Q4 2023), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$549.4M total assets against $539.0M; $502.2M total liabilities against $491.2M.
$467.7M net loans and leases against $448.5M; $454.6M total deposits against $449.9M.
$44.2M securities against $45.9M; $9.1M cash and balances due against $17.0M.
$6.5M total interest income against $6.1M; $2.6M total interest expense against $2.7M.
$3.8M net interest income against $3.4M.
$402K total noninterest income against $306K; $3.9M total noninterest expense against $3.3M.
$104K provision for credit losses against -$58K.
$265K net income against $415K.
0.20% return on assets against 0.31%; 3.01% net interest margin against 2.73%.
12.73% CET1 capital ratio against 13.31%; 9.30% tier 1 leverage ratio against 9.32%.
Inside the full The Cooperative Bank 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
The Cooperative Bank rankings
Its closest position to the top of a national ranking is 1,442 of 3,644, for Texas Ratio; its furthest is 3,479 of 3,624, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from -0.01% (Q2 2025) to 0.31% (Q3 2025) and its net interest margin ran from 2.61% (Q4 2024) to 3.01% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 12.73% | 0.20% | 0.52% | 4.79% | 3.01% |
| Q2 2026 | 12.94% | -0.01% | 0.57% | 5.12% | 2.96% |
| Q1 2026 | 13.26% | 0.12% | 0.57% | 4.94% | 2.86% |
| Q4 2025 | 13.25% | 0.08% | 0.53% | 4.71% | 2.80% |
| Q3 2025 | 13.31% | 0.31% | 0.52% | 4.60% | 2.73% |
| Q2 2025 | 13.02% | -0.01% | 0.38% | 3.47% | 2.67% |
| Q1 2025 | 12.73% | 0.09% | 0.71% | 6.60% | 2.63% |
| Q4 2024 | 12.71% | 0.20% | 0.67% | 6.26% | 2.61% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| The Cooperative Bank (main office) | Roslindale , MA | 02131 | $165.2M |
| Charlestown Branch | Charlestown , MA | 02129 | $130.2M |
| West Roxbury Branch | West Roxbury , MA | 02132 | $130.1M |
| Jamaica Plain Branch | Jamaica Plain , MA | 02130 | $32.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| September 21, 1998 | Structure Change | Acquired Charlestown Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 78 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 115 applications, 87 loans originated, $58.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $120K approved, $120K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Cooperative Bank
What are The Cooperative Bank's total assets?
As of the Q3 2026 filing, The Cooperative Bank reported total assets of $549.4 million in its FFIEC call report.
Where is The Cooperative Bank headquartered?
It is headquartered in Roslindale, MA, United States.
When was The Cooperative Bank founded?
It was established in 1898, per the FDIC institution directory.
Is The Cooperative Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #26922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Cooperative Bank?
The Cooperative Bank's primary federal regulator is the FDIC.
What is The Cooperative Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.73% in its Q3 2026 call report, above regulatory requirements.
How many branches does The Cooperative Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Cooperative Bank's Texas Ratio?
Its Texas Ratio is 4.79% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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