Wrentham Co-Operative Bank
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Data as of · sourced from FFIEC call reports. How we update
Wrentham Co-Operative Bank is an FDIC-insured savings bank headquartered in Wrentham, MA, established in 1901 (FDIC certificate 26576), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $192.6M, up 5.4% from Q2 2025, the 82nd largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 20.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26576
- Headquarters
- Wrentham, MA
- Established
- 1901
- Total assets, Q2 2026
- $192.6M
- Assets vs Q2 2025
- +5.4%
- CET1 ratio, Q2 2026
- 20.38%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 211371939
- Latest call report
- Q2 2026, FFIEC 051 · Wrentham Co-Operative Bank call report
- Asset rank in state
- 82nd of 89 in Massachusetts
Wrentham Co-Operative Bank spends more to run itself than most banks of its size. It reported $193 million in assets at June 30, 2026, up 5.4% from a year earlier. It earns about $0.09 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 96 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Its margin is thin by comparison: it keeps 2.12 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for banks its size.
As of June 30, 2026, Wrentham Co-Operative Bank reported a CET1 capital ratio of 20.38%, a return on assets of 0.09%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Wrentham Co-Operative Bank is the 82nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.2% to $192.6M, loans rose 4.9% and deposits fell 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 98.4% of total loans, followed by other consumer loans at 0.9%. The FDIC Summary of Deposits lists 3 offices for it, in Wrentham, MA and Norfolk, MA; its Wrentham 2 offices book 87% of its branch deposits. Judged on its Q2 2026 call report, Wrentham Co-Operative Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 102 South St, Wrentham, MA 02093
- County
- Norfolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1901
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $175.8M
- Allowance for credit losses
- $413K
- Net charge-offs (YTD)
- $0
- Average total assets
- $194.3M
- Average total loans
- $115.0M
- Average interest-bearing deposits
- $152.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- March 3, 1986
- FDIC Cert
- 26576
- Fed RSSD
- 948278
- Website
- www.wrenthamcoop.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Wrentham Co-Operative Bank's total assets ranged from $154.6M (Q3 2023) to $195.0M (Q1 2026), and it earned a profit in 2 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$192.6M total assets against $182.7M; $176.4M total liabilities against $166.4M.
$118.0M net loans and leases against $111.9M; $175.8M total deposits against $165.7M.
$24.6M securities against $19.4M; $39.6M cash and balances due against $41.5M.
$1.9M total interest income against $1.7M; $907K total interest expense against $908K.
$974K net interest income against $785K.
$82K total noninterest income against $76K; $1.0M total noninterest expense against $1.0M.
$0 provision for credit losses against $0.
$42K net income against -$103K.
0.09% return on assets against -0.22%; 2.12% net interest margin against 1.81%.
20.38% CET1 capital ratio; 8.34% tier 1 leverage ratio against 8.89%.
Inside the full Wrentham Co-Operative Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWrentham Co-Operative Bank rankings
Its closest position to the top of a national ranking is 318 of 2,134, for CET1 ratio; its furthest is 3,530 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.74% (Q3 2024) to 0.09% (Q2 2026) and its net interest margin ran from 1.42% (Q3 2024) to 2.12% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.38% | 0.09% | 0.00% | 0.00% | 2.12% |
| Q1 2026 | 21.02% | 0.00% | 0.00% | 0.00% | 1.92% |
| Q4 2025 | 21.40% | -0.18% | 0.00% | 0.00% | 1.89% |
| Q3 2025 | — | -0.14% | 0.00% | 0.00% | 1.83% |
| Q2 2025 | — | -0.22% | 0.00% | 0.00% | 1.81% |
| Q1 2025 | — | -0.35% | 0.00% | 0.00% | 1.52% |
| Q4 2024 | — | -0.54% | 0.00% | 0.00% | 1.48% |
| Q3 2024 | — | -0.74% | 0.00% | 0.00% | 1.42% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 |
|---|---|---|---|
| Wrentham Co-Operative Bank (main office) | Wrentham , MA | 02093 | $122.2M |
| South Street Branch | Wrentham , MA | 02093 | $30.8M |
| Norfolk Branch | Norfolk , MA | 02056 | $22.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 96 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Wrentham Co-Operative Bank
What are Wrentham Co-Operative Bank's total assets?
As of the Q2 2026 filing, Wrentham Co-Operative Bank reported total assets of $192.6 million in its FFIEC call report.
Where is Wrentham Co-Operative Bank headquartered?
It is headquartered in Wrentham, MA, United States.
When was Wrentham Co-Operative Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Wrentham Co-Operative Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #26576). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wrentham Co-Operative Bank?
Wrentham Co-Operative Bank's primary federal regulator is the FDIC.
What is Wrentham Co-Operative Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wrentham Co-Operative Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wrentham Co-Operative Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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