Stoughton Co-operative Bank: how it compares with its peers
Against 11 MA banks with half to twice its assets, Stoughton Co-operative Bank's strongest measure in Q2 2026 is efficiency ratio (68.42% vs. a 81.53% peer median). Its weakest relative measure is net interest margin (2.92% vs. 2.94%).
| Measure | Stoughton Co-operative Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.70% | 0.44% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.92% | 2.94% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.42% | 81.53% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $8.8M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.54% | 84.43% | Context |
What it means for lending operations
Its efficiency ratio of 68.42% is better than the 81.53% 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
- Methuen Co-operative Bank Methuen, MA · $141M
- Millbury National Bank Millbury, MA · $147M
- Canton Co-operative Bank Canton, MA · $155M
- 42 North Private Bank Canton, MA · $182M
Questions about Stoughton Co-operative Bank
How big is Stoughton Co-operative Bank?
Stoughton Co-operative Bank, established in 1886, is headquartered in Stoughton, MA. It reported $135M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Stoughton Co-operative Bank's return on assets?
0.70% annualized in Q2 2026, against a 0.44% median for 11 MA banks with half to twice its assets, ahead of 64% of them.
What is Stoughton Co-operative Bank's efficiency ratio?
68.42% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 81.53%, and lower is better.
Is Stoughton Co-operative Bank growing its loans?
Net loans grew 0.7% over the year to Q2 2026, while deposits grew 0.5%.
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.