The Cooperative Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The Cooperative Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital 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).
Reserve coverage of nonperforming loans climbed 14.52 percentage points in Q3 2026, from 140.90% to 155.42%. It was the largest change from Q2 2026 among the key lines here. The Cooperative Bank ranks 76th of 89 Massachusetts banks on return on assets, in the lower half at 0.20% (Q3 2026). The Cooperative Bank's return on assets of 0.20% is well below the 1.27% median for banks in the $100M-1B asset tier, a gap of 1.08 points (Q3 2026).
Capital adequacy
Equity capital to assets moved most in this table, down 0.19 points: 8.79% in Q2 2026, 8.60% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 12.73% |
| Tier 1 risk-based capital ratio | 12.73% |
| Total risk-based capital ratio | 13.77% |
| Tier 1 leverage ratio | 9.30% |
| Equity capital to assets | 8.60% |
| Tangible equity to tangible assets | 8.60% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.52% |
| Nonperforming assets ratio | 0.45% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.79% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of nonperforming loans | 155.42% |
Earnings
Efficiency ratio changed the most here, down 8.81 points to 89.87% in Q3 2026 from 98.68% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.20% |
| Return on equity | 2.22% |
| Net interest margin | 3.01% |
| Efficiency ratio | 89.87% |
| Yield on earning assets | 5.06% |
| Cost of funds | 2.16% |
Liquidity and funding
Loan-to-deposit ratio changed the most here, up 2.50 points to 103.72% in Q3 2026 from 101.22% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 103.72% |
| Core deposits to total deposits | 88.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.74% |
| Securities to assets | 8.05% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 11.72% | 11.72% | 12.84% | 8.34% | -0.06% |
| Q1 2024 | 12.06% | 12.06% | 13.15% | 8.53% | 0.11% |
| Q2 2024 | 11.95% | 11.95% | 13.01% | 8.58% | -0.06% |
| Q3 2024 | 12.14% | 12.14% | 13.15% | 8.76% | 0.20% |
| Q4 2024 | 12.71% | 12.71% | 13.72% | 8.96% | 0.20% |
| Q1 2025 | 12.73% | 12.73% | 13.74% | 9.09% | 0.09% |
| Q2 2025 | 13.02% | 13.02% | 14.05% | 9.16% | -0.01% |
| Q3 2025 | 13.31% | 13.31% | 14.34% | 9.32% | 0.31% |
| Q4 2025 | 13.25% | 13.25% | 14.29% | 9.30% | 0.08% |
| Q1 2026 | 13.26% | 13.26% | 14.31% | 9.27% | 0.12% |
| Q2 2026 | 12.94% | 12.94% | 13.98% | 9.29% | -0.01% |
| Q3 2026 | 12.73% | 12.73% | 13.77% | 9.30% | 0.20% |
The Cooperative Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)