The Cooperative Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
The Cooperative Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 12.73% in Q3 2026, down 0.58 percentage points from 13.31% in Q3 2025. Across the 12 quarters shown it ranged from 11.72% (Q4 2023) to 13.31% (Q3 2025).
In Q3 2026, Risk-weighted assets edged up by 2.2%, from $385.7M to $394.4M, the largest move among the key lines here. The Cooperative Bank ranks 41st of 55 Massachusetts banks on CET1 ratio, in the lower half at 12.73% (Q3 2026). The median for banks in the $100M-1B asset tier is 15.24% on CET1 ratio. The Cooperative Bank sits 2.52 points lower, at 12.73% (Q3 2026).
Risk-based capital ratios
Common equity Tier 1 ratio moved most in this table, down 0.21 points: 12.94% in Q2 2026, 12.73% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.73% |
| Tier 1 risk-based capital ratio | 12.73% |
| Total risk-based capital ratio | 13.77% |
| Tier 1 leverage ratio | 9.30% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $50.2M |
| Tier 1 capital | $50.2M |
| Total risk-based capital | $54.3M |
| Total equity capital | $47.2M |
| Risk-weighted assets | $394.4M |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Equity capital to average assets changed the most here, down 0.22 points to 8.75% in Q3 2026 from 8.97% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 8.60% |
| Tangible equity to tangible assets | 8.60% |
| Equity capital to average assets | 8.75% |
| Internal capital growth rate | 2.20% |
Capital structure
Largest change in this table: retained earnings, up 0.5% to $50.2M in Q3 2026 after $49.9M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $50.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 11.72% | 11.72% | 12.84% | 8.34% | $413.9M |
| Q1 2024 | 12.06% | 12.06% | 13.15% | 8.53% | $403.4M |
| Q2 2024 | 11.95% | 11.95% | 13.01% | 8.58% | $406.4M |
| Q3 2024 | 12.14% | 12.14% | 13.15% | 8.76% | $402.5M |
| Q4 2024 | 12.71% | 12.71% | 13.72% | 8.96% | $386.7M |
| Q1 2025 | 12.73% | 12.73% | 13.74% | 9.09% | $386.8M |
| Q2 2025 | 13.02% | 13.02% | 14.05% | 9.16% | $378.2M |
| Q3 2025 | 13.31% | 13.31% | 14.34% | 9.32% | $373.2M |
| Q4 2025 | 13.25% | 13.25% | 14.29% | 9.30% | $375.5M |
| Q1 2026 | 13.26% | 13.26% | 14.31% | 9.27% | $376.5M |
| Q2 2026 | 12.94% | 12.94% | 13.98% | 9.29% | $385.7M |
| Q3 2026 | 12.73% | 12.73% | 13.77% | 9.30% | $394.4M |
The Cooperative Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full The Cooperative Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26922) · FFIEC NIC profile (RSSD 714978)