Bank Safety Analysis
Is Walpole Co-Operative Bank Safe? Walpole, Massachusetts
Based on its Q2 2026 call report, Walpole Co-Operative Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.49%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Walpole Co-Operative Bank's Community Bank Leverage Ratio is 18.82%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 18.82%
- Texas ratio (Q2 2026): 0.49%
- Noncurrent loans ratio (Q2 2026): 0.11%
Walpole Co-Operative Bank is an FDIC-insured commercial bank (FDIC Certificate #26487). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Walpole Co-Operative Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 2 risk screens are flagged: loan-to-deposit ratio and commercial real estate to capital. Analysis based on the Q2 2026 call report.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) fell 0.26 percentage points from Q1 2026 to Q2 2026, ending at 0.11% against 0.37%. It was the largest change among the key lines on this page. Among 89 Massachusetts banks, Walpole Co-Operative Bank sits 5th from the top on leverage ratio, 18.82% as of Q2 2026. Walpole Co-Operative Bank's leverage ratio of 18.82% is well above the 10.95% median for banks in the $100M-1B asset tier, a gap of 7.87 points (Q2 2026). From Q3 2023 to Q2 2026, Walpole Co-Operative Bank's Texas ratio ranged between 0.49% (Q2 2026) and 2.34% (Q3 2023). Between Q2 2025 and Q2 2026, Walpole Co-Operative Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.51% to 0.11%, Texas ratio fell from 2.23% to 0.49% and return on assets rose from 0.66% to 1.18%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
Leverage ratio of 18.82% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 18.82% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.11% are within industry-normal range.
Texas Ratio of 0.5% is well below the 100% historical failure threshold.
Efficiency ratio of 56.4% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 0.49% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.11% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 109.28% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 277.48% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.49% |
| Q1 2026 | 1.59% |
| Q4 2025 | 1.56% |
| Q3 2025 | 1.70% |
| Q2 2025 | 2.23% |
| Q1 2025 | 2.17% |
| Q4 2024 | 1.75% |
| Q3 2024 | 1.84% |
| Q2 2024 | 1.67% |
| Q1 2024 | 1.37% |
| Q4 2023 | 1.96% |
| Q3 2023 | 2.34% |
Walpole Co-Operative Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 0.11% | 0.49% | 1.18% |
| Mar 31, 2026 | — | 0.37% | 1.59% | 1.08% |
| Dec 31, 2025 | — | 0.37% | 1.56% | 1.00% |
| Sep 30, 2025 | — | 0.40% | 1.70% | 0.88% |
| Jun 30, 2025 | — | 0.51% | 2.23% | 0.66% |
| Mar 31, 2025 | — | 0.50% | 2.17% | 0.50% |
| Dec 31, 2024 | — | 0.40% | 1.75% | 0.37% |
| Sep 30, 2024 | — | 0.44% | 1.84% | 0.32% |
| Jun 30, 2024 | — | 0.41% | 1.67% | 0.13% |
| Mar 31, 2024 | — | 0.34% | 1.37% | 0.18% |
| Dec 31, 2023 | — | 0.48% | 1.96% | 0.10% |
| Sep 30, 2023 | — | 0.55% | 2.34% | 0.30% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Walpole Co-Operative Bank FDIC insured?
Yes. Walpole Co-Operative Bank is an FDIC-insured commercial bank (FDIC Certificate #26487). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Walpole Co-Operative Bank well capitalized?
On its Q2 2026 call report, Walpole Co-Operative Bank's Community Bank Leverage Ratio is 18.82%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Walpole Co-Operative Bank's key safety ratios?
For Q2 2026, Walpole Co-Operative Bank reports leverage 18.82%, Texas ratio 0.49%, noncurrent loans 0.11%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Walpole Co-Operative Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 26487) · FFIEC NIC profile (RSSD 63573)
Explore: Full Walpole Co-Operative Bank profile · Other banks in MA · Metric glossary · How the call report works