Wrentham Co-operative Bank: how it compares with its peers
Against 13 MA banks with half to twice its assets, Wrentham Co-operative Bank's strongest measure in Q2 2026 is assets per employee ($10.7M vs. a $7.4M peer median). Its weakest relative measure is return on assets (0.04% vs. 0.44%).
| Measure | Wrentham Co-operative Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.04% | 0.44% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.05% | 2.92% | Bottom third Ahead of 15% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 98.00% | 81.53% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.7M | $7.4M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.15% | 90.52% | Context |
What it means for lending operations
Its efficiency ratio of 98.00% is above the 81.53% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- 42 North Private Bank Canton, MA · $182M
- Commonwealth Co-operative Bank Hyde Park, MA · $205M
- Canton Co-operative Bank Canton, MA · $155M
- Millbury National Bank Millbury, MA · $147M
- Methuen Co-operative Bank Methuen, MA · $141M
- Bank of Easton North Easton, MA · $249M
Questions about Wrentham Co-operative Bank
How big is Wrentham Co-operative Bank?
Wrentham Co-operative Bank, established in 1901, is headquartered in Wrentham, MA. It reported $193M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Wrentham Co-operative Bank's return on assets?
0.04% annualized in Q2 2026, against a 0.44% median for 13 MA banks with half to twice its assets, ahead of 8% of them.
What is Wrentham Co-operative Bank's efficiency ratio?
98.00% in Q2 2026: it spent about 98 cents in noninterest expense for each dollar of revenue. The peer median is 81.53%, and lower is better.
Is Wrentham Co-operative Bank growing its loans?
Net loans grew 5.5% over the year to Q2 2026, while deposits grew 6.1%.
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.