The Pittsfield Co-operative Bank: Income and Expense
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Data as of · Call Report Schedule RI How we update
The Pittsfield Co-operative Bank reported all 18 line items on this page on its Q3 2026 filing. Net income was -$218K in Q3 2026, against -$216K in Q3 2025.
Efficiency ratio climbed 14.19 percentage points in Q3 2026, from 91.32% to 105.52%. It was the largest change from Q2 2026 among the key lines here. The Pittsfield Co-operative Bank has the 6th lowest return on assets of the 89 banks headquartered in Massachusetts, at -0.19% as of Q3 2026. The Pittsfield Co-operative Bank's return on assets of -0.19% is well below the 1.27% median for banks in the $100M-1B asset tier, a gap of 1.46 points (Q3 2026).
Net income
Return on equity changed the most here, down 3.80 points to -1.61% in Q3 2026 from 2.19% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net income | -$218K |
| Return on assets | -0.19% |
| Return on equity | -1.61% |
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Interest income and expense
Total interest expense changed the most here, up 5.1% to $2.3M in Q3 2026 from $2.1M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $1.7M |
| Net interest margin | 3.10% |
Noninterest income and expense
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $4.1M |
| Salaries and general administrative expense | $2.5M |
| Amortization of intangibles | $0 |
| Other noninterest expense | $1.6M |
| Efficiency ratio | 105.52% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $6.3M |
| Revenue per employee | $211K |
| Full-time equivalent employees | 73 |
Credit costs and securities results
Provision expense to average assets changed the most here, up 0.07 points to 0.08% in Q3 2026 from 0.01% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $98K |
| Provision expense to average assets | 0.08% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $953K | 0.95% | 7.46% | 70.87% |
| Q1 2024 | $334K | 0.34% | 2.51% | 87.24% |
| Q2 2024 | -$221K | -0.23% | -1.66% | 101.40% |
| Q3 2024 | $28K | 0.03% | 0.21% | 99.28% |
| Q4 2024 | $58K | 0.06% | 0.43% | 98.43% |
| Q1 2025 | $62K | 0.06% | 0.46% | 98.80% |
| Q2 2025 | $130K | 0.12% | 0.95% | 103.34% |
| Q3 2025 | -$216K | -0.20% | -1.56% | 109.03% |
| Q4 2025 | -$1.2M | -1.16% | -8.96% | 104.31% |
| Q1 2026 | $138K | 0.13% | 1.00% | 95.47% |
| Q2 2026 | $303K | 0.27% | 2.19% | 91.32% |
| Q3 2026 | -$218K | -0.19% | -1.61% | 105.52% |
The Pittsfield Co-operative Bank income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full The Pittsfield Co-operative Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26393) · FFIEC NIC profile (RSSD 1000276)