Walpole Co-Operative Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 795.12 percentage points in Q2 2026, from 343.87% to 1138.99%. It was the largest change from Q1 2026 among the key lines here. Walpole Co-Operative Bank ranks 17th of 89 Massachusetts banks on return on assets, in the upper half at 1.18% (Q2 2026). Walpole Co-Operative Bank reported 1.18% on return on assets for Q2 2026, 0.07 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.82% |
| Equity capital to assets | 18.98% |
| Tangible equity to tangible assets | 18.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.49% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 1138.99% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 6.26% |
| Net interest margin | 3.82% |
| Efficiency ratio | 56.36% |
| Yield on earning assets | 5.91% |
| Cost of funds | 2.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.28% |
| Core deposits to total deposits | 68.25% |
| Brokered deposits to total deposits | 4.91% |
| Deposits to assets | 78.77% |
| Securities to assets | 10.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 19.60% | 0.30% | 2.71% | 0.55% | 0.00% |
| Q4 2023 | 19.25% | 0.10% | 2.38% | 0.48% | 0.00% |
| Q1 2024 | 19.00% | 0.18% | 2.34% | 0.34% | 0.00% |
| Q2 2024 | 18.74% | 0.13% | 2.32% | 0.41% | 0.00% |
| Q3 2024 | 18.56% | 0.32% | 2.50% | 0.44% | 0.00% |
| Q4 2024 | 18.13% | 0.37% | 2.63% | 0.40% | 0.00% |
| Q1 2025 | 18.27% | 0.50% | 2.76% | 0.50% | 0.00% |
| Q2 2025 | 18.14% | 0.66% | 2.99% | 0.51% | 0.00% |
| Q3 2025 | 18.42% | 0.88% | 3.40% | 0.40% | 0.00% |
| Q4 2025 | 18.66% | 1.00% | 3.49% | 0.37% | 0.00% |
| Q1 2026 | 18.62% | 1.08% | 3.66% | 0.37% | 0.00% |
| Q2 2026 | 18.82% | 1.18% | 3.82% | 0.11% | 0.00% |
Walpole Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Walpole Co-Operative Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Walpole Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26487) · FFIEC NIC profile (RSSD 63573)