Wrentham 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.
Loan-to-deposit ratio climbed 4.02 percentage points in Q2 2026, from 63.36% to 67.38%. It was the largest change from Q1 2026 among the key lines here. Wrentham Co-Operative Bank has the 6th lowest return on assets of the 89 banks headquartered in Massachusetts, at 0.09% as of Q2 2026. Wrentham Co-Operative Bank's return on assets of 0.09% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.17 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.38% |
| Tier 1 risk-based capital ratio | 20.38% |
| Total risk-based capital ratio | 20.92% |
| Tier 1 leverage ratio | 8.34% |
| Equity capital to assets | 8.41% |
| Tangible equity to tangible assets | 8.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.91% |
| Allowance for credit losses to loans | 0.35% |
| Reserve coverage of non-performing loans | 273.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.09% |
| Return on equity | 1.04% |
| Net interest margin | 2.12% |
| Efficiency ratio | 95.64% |
| Yield on earning assets | 4.09% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.38% |
| Core deposits to total deposits | 87.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.26% |
| Securities to assets | 12.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 11.11% | -0.06% |
| Q4 2023 | — | — | — | 11.15% | -0.22% |
| Q1 2024 | — | — | — | 10.57% | -0.79% |
| Q2 2024 | — | — | — | 9.61% | -0.66% |
| Q3 2024 | — | — | — | 9.33% | -0.74% |
| Q4 2024 | — | — | — | 9.23% | -0.54% |
| Q1 2025 | — | — | — | 9.12% | -0.35% |
| Q2 2025 | — | — | — | 8.89% | -0.22% |
| Q3 2025 | — | — | — | 8.81% | -0.14% |
| Q4 2025 | 21.40% | 21.40% | 21.97% | 8.65% | -0.18% |
| Q1 2026 | 21.02% | 21.02% | 21.58% | 8.47% | 0.00% |
| Q2 2026 | 20.38% | 20.38% | 20.92% | 8.34% | 0.09% |
Wrentham Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wrentham 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 Wrentham Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26576) · FFIEC NIC profile (RSSD 948278)