The Pittsfield Co-operative Bank: Vital Signs
BankRegReports is independent of The Pittsfield Co-operative Bank and never asks for online banking logins or passwords.
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The Pittsfield Co-operative Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 18.30% in Q3 2026, down 2.15 percentage points from 20.45% in Q3 2025. Across the 12 quarters shown it ranged from 18.30% (Q3 2026) to 22.96% (Q2 2024).
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 377.58 percentage points higher than in Q2 2026, at 565.26%. On return on assets, The Pittsfield Co-operative Bank is 6th from the bottom among 89 Massachusetts banks, -0.19% (Q3 2026). Against a median of 1.27% for banks in the $100M-1B asset tier, The Pittsfield Co-operative Bank reported -0.19% on return on assets in Q3 2026, 1.46 points lower.
Capital adequacy
Equity capital to assets changed the most here, down 0.81 points to 11.51% in Q3 2026 from 12.32% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 18.30% |
| Tier 1 risk-based capital ratio | 18.30% |
| Total risk-based capital ratio | 19.04% |
| Tier 1 leverage ratio | 13.08% |
| Equity capital to assets | 11.51% |
| Tangible equity to tangible assets | 11.51% |
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).
Get an email when The Pittsfield Co-operative Bank files its next quarter, and see its vital signs against peers in the terminal. Free account, no card.
Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.12% |
| Nonperforming assets ratio | 0.09% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 0.77% |
| Allowance for credit losses to loans | 0.67% |
| Reserve coverage of nonperforming loans | 565.26% |
Earnings
Largest change in this table: efficiency ratio, up 14.20 points to 105.52% in Q3 2026 after 91.32% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | -0.19% |
| Return on equity | -1.61% |
| Net interest margin | 3.10% |
| Efficiency ratio | 105.52% |
| Yield on earning assets | 5.13% |
| Cost of funds | 2.27% |
Liquidity and funding
Brokered deposits to total deposits changed the most here, up 2.71 points to 7.29% in Q3 2026 from 4.58% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 104.41% |
| Core deposits to total deposits | 81.41% |
| Brokered deposits to total deposits | 7.29% |
| Deposits to assets | 74.53% |
| Securities to assets | 13.49% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 21.84% | 21.84% | 22.68% | 15.39% | 0.95% |
| Q1 2024 | 21.79% | 21.79% | 22.64% | 15.54% | 0.34% |
| Q2 2024 | 22.96% | 22.96% | 23.85% | 15.91% | -0.23% |
| Q3 2024 | 21.32% | 21.32% | 22.15% | 15.45% | 0.03% |
| Q4 2024 | 21.77% | 21.77% | 22.63% | 15.06% | 0.06% |
| Q1 2025 | 20.75% | 20.75% | 21.59% | 14.90% | 0.06% |
| Q2 2025 | 21.69% | 21.69% | 22.47% | 14.85% | 0.12% |
| Q3 2025 | 20.45% | 20.45% | 21.19% | 14.58% | -0.20% |
| Q4 2025 | 19.35% | 19.35% | 20.09% | 14.11% | -1.16% |
| Q1 2026 | 19.09% | 19.09% | 19.85% | 13.71% | 0.13% |
| Q2 2026 | 18.63% | 18.63% | 19.36% | 13.41% | 0.27% |
| Q3 2026 | 18.30% | 18.30% | 19.04% | 13.08% | -0.19% |
The Pittsfield Co-operative 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 Pittsfield Co-operative Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26393) · FFIEC NIC profile (RSSD 1000276)