The Cooperative Bank: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, The Cooperative Bank reported 20 of the 23 line items on this page. It did not report foreign office deposits, uninsured deposits and uninsured deposits to total deposits. Total deposits was $454.6M in Q3 2026, up 1.0% from $449.9M in Q3 2025. That is 82.7% of its total assets. Across the 12 quarters shown it ranged from $449.9M (Q3 2025) to $464.8M (Q4 2023).
The standout move of Q3 2026 was in Loans and leases to core deposits: 2.51 percentage points higher than in Q2 2026, at 117.30%. The Cooperative Bank ranks 67th of 89 Massachusetts banks on total deposits, in the lower half at $454.6M (Q3 2026). Against a median of $275.6M for banks in the $100M-1B asset tier, The Cooperative Bank reported $454.6M on total deposits in Q3 2026, 65% higher.
Deposit totals
Largest change in this table: deposits to total liabilities, down 1.03 points to 90.52% in Q3 2026 after 91.55% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total deposits | $454.6M |
| Domestic office deposits | $454.6M |
| Foreign office deposits | — |
| Deposits to total assets | 82.74% |
| Deposits to total liabilities | 90.52% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
Largest change in this table: transaction accounts to domestic deposits, down 0.69 points to 30.51% in Q3 2026 after 31.20% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $100.0M |
| Savings deposits | $45.2M |
| Transaction accounts to domestic deposits | 30.51% |
| Time deposits to total deposits | 24.05% |
| Time deposits under $100k | $30.2M |
| Time deposits $100k to $250k | $26.5M |
| Time deposits over $250k | $52.6M |
| Noninterest-bearing share of deposits | 22.00% |
Stability of funding
Core deposits to total deposits moved most in this table, up 0.24 points: 88.18% in Q2 2026, 88.42% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Core deposits | $402.0M |
| Core deposits to total deposits | 88.42% |
| Insured deposits | $287.3M |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.63% |
| Interest expense on deposits | $2.3M |
| Loans and leases to core deposits | 117.30% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q4 2023 | $464.8M | 84.07% | 4.60% | 2.58% |
| Q1 2024 | $463.9M | 84.97% | 4.59% | 2.75% |
| Q2 2024 | $459.1M | 85.53% | 3.84% | 2.81% |
| Q3 2024 | $457.8M | 85.04% | 4.52% | 2.88% |
| Q4 2024 | $458.3M | 85.21% | 4.09% | 2.74% |
| Q1 2025 | $457.3M | 85.96% | 4.12% | 2.67% |
| Q2 2025 | $452.1M | 86.79% | 2.64% | 2.65% |
| Q3 2025 | $449.9M | 86.49% | 2.28% | 2.63% |
| Q4 2025 | $454.7M | 86.77% | 2.19% | 2.54% |
| Q1 2026 | $459.8M | 88.63% | 1.02% | 2.48% |
| Q2 2026 | $457.8M | 88.18% | 0.00% | 2.53% |
| Q3 2026 | $454.6M | 88.42% | 0.00% | 2.63% |
The Cooperative Bank deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, 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)