The Cooperative Bank: Loan Portfolio
BankRegReports is independent of The Cooperative Bank and never asks for online banking logins or passwords.
Data as of · Call Report Schedule RC-C How we update
The Cooperative Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $471.5M in Q3 2026, up 4.3% from $452.1M in Q3 2025. That is 85.8% of its total assets. Across the 12 quarters shown it ranged from $452.1M (Q3 2025) to $500.8M (Q4 2023).
CRE concentration (Tier 1 capital + allowance) climbed 28.52 percentage points in Q3 2026, from 193.85% to 222.38%. It was the largest change from Q2 2026 among the key lines here. Within Massachusetts, The Cooperative Bank is 22nd of 89 on loan-to-deposit ratio, 103.72% as of Q3 2026. The median for banks in the $100M-1B asset tier is 81.45% on loan-to-deposit ratio. The Cooperative Bank sits 22.27 points higher, at 103.72% (Q3 2026).
Loan totals
Largest change in this table: loan-to-deposit ratio, up 2.50 points to 103.72% in Q3 2026 after 101.22% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $471.5M |
| Net loans and leases | $467.7M |
| Loans held for sale | $0 |
| Loans to total assets | 85.82% |
| Loan-to-deposit ratio | 103.72% |
| Net loans to equity capital | 9.90× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
Get an email when The Cooperative Bank files its next quarter, and see its loan portfolio against peers in the terminal. Free account, no card.
Portfolio mix (share of total loans)
Commercial real estate (nonfarm nonresidential) changed the most here, down 2.11 points to 18.32% in Q3 2026 from 20.43% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.32% |
| Multifamily (5+ residential) | 9.02% |
| Commercial and industrial | 1.62% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 222.38% |
| Construction concentration (Tier 1 capital + allowance) | 45.81% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Yield on loans changed the most here, up 0.14 points to 5.33% in Q3 2026 from 5.19% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.33% |
| Interest income on loans | $6.1M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $500.8M | $464.8M | 20.89% | 0.66% | 0.22% |
| Q1 2024 | $485.3M | $463.9M | 20.58% | 0.64% | 0.21% |
| Q2 2024 | $489.2M | $459.1M | 20.11% | 0.71% | 0.19% |
| Q3 2024 | $483.2M | $457.8M | 20.98% | 0.60% | 0.17% |
| Q4 2024 | $471.1M | $458.3M | 20.50% | 0.60% | 0.15% |
| Q1 2025 | $467.9M | $457.3M | 20.37% | 0.64% | 0.13% |
| Q2 2025 | $457.4M | $452.1M | 21.91% | 0.75% | 0.11% |
| Q3 2025 | $452.1M | $449.9M | 20.60% | 0.72% | 0.09% |
| Q4 2025 | $456.4M | $454.7M | 20.89% | 0.66% | 0.07% |
| Q1 2026 | $452.7M | $459.8M | 19.23% | 0.67% | 0.05% |
| Q2 2026 | $463.4M | $457.8M | 20.43% | 0.62% | 0.03% |
| Q3 2026 | $471.5M | $454.6M | 18.32% | 1.62% | 0.02% |
The Cooperative Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)