Fidelity Co-operative Bank: how it compares with its peers
Against 42 MA banks with half to twice its assets, Fidelity Co-operative Bank's strongest measure in Q2 2026 is net interest margin (4.29% vs. a 3.02% peer median). Its weakest relative measure is efficiency ratio (68.63% vs. 73.68%).
| Measure | Fidelity Co-operative Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.80% | 0.63% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.29% | 3.02% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.63% | 73.68% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.6M | $9.7M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.73% | 94.18% | Context |
What it means for lending operations
Its efficiency ratio of 68.63% is better than the 73.68% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Webster Five Cents Savings Bank Webster, MA · $1.31B
- Martha's Vineyard Bank Edgartown, MA · $1.33B
- MutualOne Bank Framingham, MA · $1.22B
- Reading Co-operative Bank Reading, MA · $1.19B
- Watertown Savings Bank Watertown, MA · $1.44B
- Pentucket Bank Haverhill, MA · $1.12B
Questions about Fidelity Co-operative Bank
How big is Fidelity Co-operative Bank?
Fidelity Co-operative Bank, established in 1888, is headquartered in Leominster, MA. It reported $1.31B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Fidelity Co-operative Bank's return on assets?
0.80% annualized in Q2 2026, against a 0.63% median for 42 MA banks with half to twice its assets, ahead of 76% of them.
What is Fidelity Co-operative Bank's efficiency ratio?
68.63% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 73.68%, and lower is better.
Is Fidelity Co-operative Bank growing its loans?
Net loans shrank 12.3% over the year to Q2 2026, while deposits shrank 19.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.