Bank Safety Analysis
Is The Cooperative Bank Safe? Roslindale, Massachusetts
Based on its Q3 2026 call report, The Cooperative Bank meets every capital ratio test for well capitalized, its Texas ratio is 4.79%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The Cooperative Bank safe?
On its Q3 2026 call report, The Cooperative Bank's CET1 ratio is 12.73%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 12.73%
- Tier 1 leverage ratio (Q3 2026): 9.30%
- Texas ratio (Q3 2026): 4.79%
- Noncurrent loans ratio (Q3 2026): 0.52%
The Cooperative Bank is an FDIC-insured savings bank (FDIC Certificate #26922). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The Cooperative Bank (FDIC Certificate #26922) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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The Cooperative Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 2 risk screens are flagged: loan-to-deposit ratio and commercial real estate to capital.
The largest change between Q2 2026 and Q3 2026 was in return on assets, which rose 0.20 percentage points to 0.20%. Within Massachusetts, The Cooperative Bank is 41st of 55 on CET1 ratio, 12.73% as of Q3 2026. The Cooperative Bank reported 12.73% on CET1 ratio for Q3 2026, 2.52 points below the 15.24% median for banks in the $100M-1B asset tier.
From Q4 2023 to Q3 2026, The Cooperative Bank's CET1 ratio ranged between 11.72% (Q4 2023) and 13.31% (Q3 2025) and its Texas ratio ranged between 3.47% (Q2 2025) and 12.30% (Q4 2023). Between Q3 2025 and Q3 2026, The Cooperative Bank's CET1 ratio fell from 13.31% to 12.73%, nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.52%, Texas ratio rose from 4.60% to 4.79% and return on assets fell from 0.31% to 0.20%.
By total assets at Q3 2026, The Cooperative Bank is the 67th largest of the 89 banks headquartered in Massachusetts. 1-4 family residential loans are its largest loan category, $309.9M of $471.5M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, The Cooperative Bank's CET1 ratio of 12.73% is below the 15.24% median, Tier 1 leverage ratio of 9.30% is below the 11.09% median, nonperforming loans ratio of 0.52% is above the 0.43% median, Texas ratio of 4.79% is above the 2.96% median, and efficiency ratio of 89.87% is above the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
The Cooperative Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does The Cooperative Bank score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 15.24%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does The Cooperative Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 12.73% | Within range |
| Texas ratio BankRegReports band | 4.79% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.52% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 103.72% | Flagged |
| Commercial real estate to capital supervisory threshold | 222.38% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 12.73% |
| Q2 2026 | 12.94% |
| Q1 2026 | 13.26% |
| Q4 2025 | 13.25% |
| Q3 2025 | 13.31% |
| Q2 2025 | 13.02% |
| Q1 2025 | 12.73% |
| Q4 2024 | 12.71% |
| Q3 2024 | 12.14% |
| Q2 2024 | 11.95% |
| Q1 2024 | 12.06% |
| Q4 2023 | 11.72% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 4.79% |
| Q2 2026 | 5.12% |
| Q1 2026 | 4.94% |
| Q4 2025 | 4.71% |
| Q3 2025 | 4.60% |
| Q2 2025 | 3.47% |
| Q1 2025 | 6.60% |
| Q4 2024 | 6.26% |
| Q3 2024 | 5.21% |
| Q2 2024 | 8.09% |
| Q1 2024 | 4.37% |
| Q4 2023 | 12.30% |
Loans by type, Q3 2026
- 1-4 family residential loans: $309.9M
- Non-owner-occupied commercial real estate loans: $52.8M
- Multifamily loans: $42.6M
- Owner-occupied commercial real estate loans: $33.6M
- Construction and land development loans: $24.7M
- Commercial and industrial loans: $7.7M
- All other loans: $163K
- Other consumer loans: $101K
How have The Cooperative Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $549.4M | 12.73% | 9.30% | 0.52% | 4.79% | 89.87% |
| Jun 30, 2026 | $548.3M | 12.94% | 9.29% | 0.57% | 5.12% | 98.68% |
| Mar 31, 2026 | $543.5M | 13.26% | 9.27% | 0.57% | 4.94% | 93.92% |
| Dec 31, 2025 | $543.5M | 13.25% | 9.30% | 0.53% | 4.71% | 95.34% |
| Sep 30, 2025 | $539.0M | 13.31% | 9.32% | 0.52% | 4.60% | 87.65% |
| Jun 30, 2025 | $544.2M | 13.02% | 9.16% | 0.38% | 3.47% | 100.48% |
| Mar 31, 2025 | $551.2M | 12.73% | 9.09% | 0.71% | 6.60% | 96.88% |
| Dec 31, 2024 | $554.8M | 12.71% | 8.96% | 0.67% | 6.26% | 94.64% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The Cooperative Bank FDIC insured?
Yes. The Cooperative Bank is an FDIC-insured savings bank (FDIC Certificate #26922). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The Cooperative Bank well capitalized?
On its Q3 2026 call report, The Cooperative Bank's CET1 ratio is 12.73%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are The Cooperative Bank's key safety ratios?
For Q3 2026, The Cooperative Bank reports CET1 12.73%, leverage 9.30%, Texas ratio 4.79%, noncurrent loans 0.52%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if The Cooperative Bank fails?
For Q3 2026, The Cooperative Bank reported $454.6M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full The Cooperative Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
The Cooperative Bank fails or is near these bands: Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 26922) · FFIEC NIC profile (RSSD 714978)
Explore: Full The Cooperative Bank profile · Other banks in MA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.