The Pittsfield Co-operative Bank
The Pittsfield Co-operative Bank is an FDIC-insured savings bank headquartered in Pittsfield, MA, supervised by the FDIC, with $459.9M in total assets at Q3 2026, up 10.9% from Q3 2025, the 71st largest of 89 banks headquartered in Massachusetts. It was established in 1889 and holds FDIC certificate 26393. Its CET1 capital ratio was 18.30% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
BankRegReports is independent of The Pittsfield Co-operative Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26393
- Headquarters
- Pittsfield, MA
- Established
- 1889
- Total assets, Q3 2026
- $459.9M
- Assets vs Q3 2025
- +10.9%
- CET1 ratio, Q3 2026
- 18.30%
- Domestic offices
- 5 branches
- Safety and soundness
- Is The Pittsfield Co-operative Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · The Pittsfield Co-operative Bank call report
- Asset rank in state
- 71st of 89 in Massachusetts
The Pittsfield Co-operative Bank spends more to run itself than most banks of its size. Based in Pittsfield, Massachusetts, it had $460 million in assets at September 30, 2026, up 10.9% from a year earlier. It loses about $0.19 a year on every $100 of assets, lower than about 9 in 10 of the 2,624 banks with $100 million to $1 billion in assets (median $1.30). It also spends about 106 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $218,000 in the quarter. Over the same year, loans grew 18.0% and deposits grew 11.0%. Its margin is thin by comparison: it keeps 3.10 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 4.01 cents).
As of September 30, 2026, The Pittsfield Co-operative Bank reported a CET1 capital ratio of 18.30%, a return on assets of -0.19%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.77%. The figures come from its call report filed with the FFIEC.
The Pittsfield Co-operative Bank ranks as the 71st largest of the 89 banks based in Massachusetts, by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 1.9% to $459.9M, loans rose 3.4% and deposits rose 4.6%. 1-4 family residential loans made up 65.6% of its total loans on September 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 9.8%. The FDIC Summary of Deposits lists 5 offices for it, in Pittsfield, MA, Dalton, MA and Great Barrington, MA; its Pittsfield 3 offices book 69% of its branch deposits. Judged on its Q3 2026 call report, The Pittsfield Co-operative Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 70 South St, Pittsfield, MA 01201
- County
- Berkshire
- Metro Area
- Pittsfield, MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- —
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- 1889
- Domestic offices
- 5 branches
- Employees (FTE)
- 73
- Domestic deposits
- $342.8M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $62K
- Average total assets
- $462.5M
- Average total loans
- $338.9M
- Average interest-bearing deposits
- $262.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- October 8, 1985
- FDIC Cert
- 26393
- Fed RSSD
- 1000276
- Website
- www.pittsfield-coop.com →
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Watch The Pittsfield Co-operative Bank: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, The Pittsfield Co-operative Bank's total assets ran between $378.1M (Q2 2024) and $459.9M (Q3 2026), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$459.9M total assets against $414.7M; $407.0M total liabilities against $359.1M.
$355.5M net loans and leases against $300.9M; $342.8M total deposits against $308.7M.
$62.1M securities against $72.0M; $12.9M cash and balances due against $10.8M.
$5.7M total interest income against $4.6M; $2.3M total interest expense against $1.8M.
$3.4M net interest income against $2.8M.
$423K total noninterest income against $389K; $4.1M total noninterest expense against $3.5M.
$98K provision for credit losses against $19K.
-$218K net income against -$216K.
-0.19% return on assets against -0.20%; 3.10% net interest margin against 2.83%.
18.30% CET1 capital ratio against 20.45%; 13.08% tier 1 leverage ratio against 14.58%.
Inside the full The Pittsfield Co-operative Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The Pittsfield Co-operative Bank rankings
Its closest position to the top of a national ranking is 439 of 2,021, for CET1 ratio; its furthest is 3,579 of 3,624, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from -1.16% (Q4 2025) to 0.27% (Q2 2026) and its net interest margin ran from 2.69% (Q4 2024) to 3.22% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 18.30% | -0.19% | 0.12% | 0.77% | 3.10% |
| Q2 2026 | 18.63% | 0.27% | 0.36% | 2.16% | 3.14% |
| Q1 2026 | 19.09% | 0.13% | 0.34% | 1.99% | 3.14% |
| Q4 2025 | 19.35% | -1.16% | 0.35% | 1.94% | 3.22% |
| Q3 2025 | 20.45% | -0.20% | 0.49% | 2.56% | 2.83% |
| Q2 2025 | 21.69% | 0.12% | 0.48% | 2.43% | 2.85% |
| Q1 2025 | 20.75% | 0.06% | 0.42% | 2.07% | 2.73% |
| Q4 2024 | 21.77% | 0.06% | 0.56% | 2.74% | 2.69% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Pittsfield Co-operative Bank (main office) | Pittsfield , MA | 01201 | $153.1M |
| Dalton Branch | Dalton , MA | 01226 | $60.3M |
| Great Barrington Branch | Great Barrington , MA | 01230 | $39.9M |
| Williams Street Branch | Pittsfield , MA | 01201 | $38.8M |
| Dalton Avenue Branch | Pittsfield , MA | 01201 | $35.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 85 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 216 applications, 162 loans originated, $49.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $125K approved, $62K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Similar banks
Frequently asked about The Pittsfield Co-operative Bank
What are The Pittsfield Co-operative Bank's total assets?
As of the Q3 2026 filing, The Pittsfield Co-operative Bank reported total assets of $459.9 million in its FFIEC call report.
Where is The Pittsfield Co-operative Bank headquartered?
It is headquartered in Pittsfield, MA, United States.
When was The Pittsfield Co-operative Bank founded?
It was established in 1889, per the FDIC institution directory.
Is The Pittsfield Co-operative Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #26393). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Pittsfield Co-operative Bank?
The Pittsfield Co-operative Bank's primary federal regulator is the FDIC.
What is The Pittsfield Co-operative Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.30% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Pittsfield Co-operative Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Pittsfield Co-operative Bank's Texas Ratio?
Its Texas Ratio is 0.77% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
Go deeper on The Pittsfield Co-operative Bank.
Get an email when The Pittsfield Co-operative Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Pittsfield Co-operative Bank, freeFree account