The Cooperative Bank: Loan Modifications and Restructuring
BankRegReports is independent of The Cooperative Bank and never asks for online banking logins or passwords.
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
The Cooperative Bank reported all 8 line items on this page on its Q3 2026 filing. Modified loans and leases was $938K in Q3 2026, down 6.9% from $1.0M in Q3 2025. That is 0.2% of its total assets. Across the 12 quarters shown it ranged from $938K (Q3 2026) to $1.7M (Q3 2024).
In Q3 2026, Non-performing loans to total loans edged down by 0.06 percentage points, from 0.57% to 0.52%, the largest move among the key lines here.
Modified loans
Nonperforming assets excluding restructured loans, to assets moved most in this table, down 0.04 points: 0.49% in Q2 2026, 0.45% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Modified loans and leases | $938K |
| Modified loans to total loans | 0.20% |
| Nonperforming assets excluding restructured loans, to assets | 0.45% |
Get an email when The Cooperative Bank files its next quarter, and see its loan modifications and restructuring against peers in the terminal. Free account, no card.
Read against the nonperforming book
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to total loans | 0.52% |
| Nonaccrual loans to loans | 0.52% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | 0.00% |
| Allowance for credit losses to loans | 0.81% |
Shown side by side so the modified share can be compared with recognized nonperforming loans and with what has already been charged off.
Loan Modifications and Restructuring trend
A modified share rising while the nonperforming share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Nonperforming loans | Net charge-offs |
|---|---|---|---|
| Q4 2023 | 0.21% | 1.24% | 0.00% |
| Q1 2024 | 0.21% | 0.45% | 0.00% |
| Q2 2024 | 0.21% | 0.82% | 0.00% |
| Q3 2024 | 0.36% | 0.55% | 0.00% |
| Q4 2024 | 0.21% | 0.67% | 0.01% |
| Q1 2025 | 0.21% | 0.71% | 0.00% |
| Q2 2025 | 0.21% | 0.38% | 0.00% |
| Q3 2025 | 0.22% | 0.52% | 0.00% |
| Q4 2025 | 0.21% | 0.53% | -0.01% |
| Q1 2026 | 0.22% | 0.57% | 0.00% |
| Q2 2026 | 0.21% | 0.57% | 0.00% |
| Q3 2026 | 0.20% | 0.52% | 0.00% |
The Cooperative Bank loan modifications and restructuring, quarter by quarter
Loan Modifications and Restructuring since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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)