Walpole Co-Operative Bank
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Data as of · sourced from FFIEC call reports. How we update
Walpole Co-Operative Bank is an FDIC-insured commercial bank headquartered in Walpole, MA, established in 1912 (FDIC certificate 26487), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $646.5M, up 1.1% from Q2 2025, the 62nd largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.82% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 26487
- Headquarters
- Walpole, MA
- Established
- 1912
- Total assets, Q2 2026
- $646.5M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 18.82%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 211373063
- Latest call report
- Q2 2026, FFIEC 051 · Walpole Co-Operative Bank call report
- Asset rank in state
- 62nd of 89 in Massachusetts
Walpole Co-Operative Bank carries far more capital than most banks of its size. Based in Walpole, Massachusetts, it had $646 million in assets at June 30, 2026, up 1.1% from a year earlier. It funds 18.82% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.9 million, 82% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.11% of loans from 0.51%. Funding is the softer spot: it pays an average of 2.58% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Walpole Co-Operative Bank reported a return on assets of 1.18%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.49%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Walpole Co-Operative Bank is the 62nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $646.5M, loans rose 1.6% and deposits fell 0.7%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 27.1% of total loans, followed by 1-4 family residential loans at 23.9%. Its one office in the FDIC Summary of Deposits is in Walpole, MA. Judged on its Q2 2026 call report, Walpole Co-Operative Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 982 Main St, Walpole, MA 02081
- County
- Norfolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1912
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $509.2M
- Allowance for credit losses
- $7.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $647.0M
- Average total loans
- $554.1M
- Average interest-bearing deposits
- $458.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- January 13, 1986
- FDIC Cert
- 26487
- Fed RSSD
- 63573
- Website
- www.walpolecoop.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Walpole Co-Operative Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Walpole Co-Operative Bank's total assets moved between a low of $575.2M (Q3 2023) and a high of $649.4M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$646.5M total assets against $639.5M; $523.8M total liabilities against $523.7M.
$549.3M net loans and leases against $534.3M; $509.2M total deposits against $497.8M.
$69.1M securities against $77.9M; $11.5M cash and balances due against $11.8M.
$9.5M total interest income against $8.4M; $3.4M total interest expense against $3.6M.
$6.1M net interest income against $4.7M.
$31K total noninterest income against $166K; $3.5M total noninterest expense against $3.5M.
$45K provision for credit losses against $30K.
$1.9M net income against $1.1M.
1.18% return on assets against 0.66%; 3.82% net interest margin against 2.99%.
18.82% tier 1 leverage ratio against 18.14%.
Inside the full Walpole 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Walpole Co-Operative Bank rankings
Its closest position to the top of a national ranking is 1,459 of 4,196, for total assets; its furthest is 2,964 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.32% (Q3 2024) to 1.18% (Q2 2026) and its net interest margin ran from 2.50% (Q3 2024) to 3.82% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.82% | 1.18% | 0.11% | 0.49% | 3.82% |
| Q1 2026 | 18.62% | 1.08% | 0.37% | 1.59% | 3.66% |
| Q4 2025 | 18.66% | 1.00% | 0.37% | 1.56% | 3.49% |
| Q3 2025 | 18.42% | 0.88% | 0.40% | 1.70% | 3.40% |
| Q2 2025 | 18.14% | 0.66% | 0.51% | 2.23% | 2.99% |
| Q1 2025 | 18.27% | 0.50% | 0.50% | 2.17% | 2.76% |
| Q4 2024 | 18.13% | 0.37% | 0.40% | 1.75% | 2.63% |
| Q3 2024 | 18.56% | 0.32% | 0.44% | 1.84% | 2.50% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Walpole Co-Operative Bank (main office) | Walpole , MA | 02081 | $509.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 77 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $85K approved, $42K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Walpole Co-Operative Bank
What are Walpole Co-Operative Bank's total assets?
As of the Q2 2026 filing, Walpole Co-Operative Bank reported total assets of $646.5 million in its FFIEC call report.
Where is Walpole Co-Operative Bank headquartered?
It is headquartered in Walpole, MA, United States.
When was Walpole Co-Operative Bank founded?
It was established in 1912, per the FDIC institution directory.
Is Walpole Co-Operative Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26487). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Walpole Co-Operative Bank?
Walpole Co-Operative Bank's primary federal regulator is the Federal Reserve.
How many branches does Walpole Co-Operative Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Walpole Co-Operative Bank's Texas Ratio?
Its Texas Ratio is 0.49% in its Q2 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 non-performing assets against the bank's capital and reserves.
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