The Cooperative Bank: how it compares with its peers
Against 35 MA banks with half to twice its assets, The Cooperative Bank's strongest measure in Q2 2026 is assets per employee ($8.4M vs. a $8.4M peer median). Its weakest relative measure is return on assets (0.06% vs. 0.51%).
| Measure | The Cooperative Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.06% | 0.51% | Bottom third Ahead of 3% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.89% | 3.00% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 97.16% | 80.62% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $8.4M | Middle third Ahead of 51% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.40% | 91.57% | Context |
What it means for lending operations
Its efficiency ratio of 97.16% is above the 80.62% 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
- Milford Federal Bank Milford, MA · $545M
- Bay State Savings Bank Worcester, MA · $580M
- Lee Bank Lee, MA · $591M
- Dean Co-operative Bank Franklin, MA · $494M
- Seamen's Bank Provincetown, MA · $478M
- Haverhill Bank Haverhill, MA · $637M
Questions about The Cooperative Bank
How big is The Cooperative Bank?
The Cooperative Bank, established in 1898, is headquartered in Roslindale, MA. It reported $548M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The Cooperative Bank's return on assets?
0.06% annualized in Q2 2026, against a 0.51% median for 35 MA banks with half to twice its assets, ahead of 3% of them.
What is The Cooperative Bank's efficiency ratio?
97.16% in Q2 2026: it spent about 97 cents in noninterest expense for each dollar of revenue. The peer median is 80.62%, and lower is better.
Is The Cooperative Bank growing its loans?
Net loans grew 1.3% over the year to Q2 2026, while deposits grew 1.3%.
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.