Dean Co-operative Bank: how it compares with its peers
Against 31 MA banks with half to twice its assets, Dean Co-operative Bank's strongest measure in Q2 2026 is net interest margin (3.26% vs. a 2.98% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $8.4M).
| Measure | Dean Co-operative Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.39% | 0.44% | Middle third Ahead of 39% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.26% | 2.98% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 86.55% | 83.20% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $8.4M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.85% | 91.44% | Context |
What it means for lending operations
Its efficiency ratio of 86.55% is above the 83.20% 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
- Seamen's Bank Provincetown, MA · $478M
- The Pittsfield Co-operative Bank Pittsfield, MA · $452M
- North Brookfield Savings Bank North Brookfield, MA · $449M
- The National Grand Bank of Marblehead Marblehead, MA · $445M
- Milford Federal Bank Milford, MA · $545M
- The Cooperative Bank Roslindale, MA · $548M
Questions about Dean Co-operative Bank
How big is Dean Co-operative Bank?
Dean Co-operative Bank, established in 1889, is headquartered in Franklin, MA. It reported $494M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Dean Co-operative Bank's return on assets?
0.39% annualized in Q2 2026, against a 0.44% median for 31 MA banks with half to twice its assets, ahead of 39% of them.
What is Dean Co-operative Bank's efficiency ratio?
86.55% in Q2 2026: it spent about 87 cents in noninterest expense for each dollar of revenue. The peer median is 83.20%, and lower is better.
Is Dean Co-operative Bank growing its loans?
Net loans grew 3.3% over the year to Q2 2026, while deposits grew 1.4%.
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.