Commonwealth Co-operative Bank: how it compares with its peers
Against 14 MA banks with half to twice its assets, Commonwealth Co-operative Bank's strongest measure in Q2 2026 is assets per employee ($14.6M vs. a $7.4M peer median). Its weakest relative measure is return on assets (0.37% vs. 0.42%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.37% | 0.42% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.83% | 2.87% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.96% | 84.98% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.6M | $7.4M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.79% | 90.52% | Context |
What it means for lending operations
Its efficiency ratio of 78.96% is better than the 84.98% 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
- Wrentham Co-operative Bank Wrentham, MA · $193M
- 42 North Private Bank Canton, MA · $182M
- Bank of Easton North Easton, MA · $249M
- Canton Co-operative Bank Canton, MA · $155M
- Marblehead Bank Marblehead, MA · $263M
- Millbury National Bank Millbury, MA · $147M
Questions about Commonwealth Co-operative Bank
How big is Commonwealth Co-operative Bank?
Commonwealth Co-operative Bank, established in 1886, is headquartered in Hyde Park, MA. It reported $205M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Commonwealth Co-operative Bank's return on assets?
0.37% annualized in Q2 2026, against a 0.42% median for 14 MA banks with half to twice its assets, ahead of 36% of them.
What is Commonwealth Co-operative Bank's efficiency ratio?
78.96% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 84.98%, and lower is better.
Is Commonwealth Co-operative Bank growing its loans?
Net loans shrank 3.8% over the year to Q2 2026, while deposits grew 7.4%.
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.