# PITTSFIELD COOP BANK
PITTSFIELD, MA · FDIC certificate 26393 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $451.5M | |
| Deposits | $327.7M | |
| Loans and leases | $346.3M | |
| Total equity | $55.6M | |
| Loans / deposits | 104.95% (p94 of band) | 82.04% |
| Liquid assets / assets | 17.45% (p23 of band) | |
| Uninsured deposits / deposits | 23.27% (p41 of band) | 25.97% |
| Brokered deposits | 3.32% | |
| Wholesale funding | 17.84% (p92 of band) | |
| FHLB advances / assets | 14.52% | |
| Tier 1 leverage | 13.41% (p82 of band) | 10.81% |
| Unrealized securities loss / equity | -11.85% (p39 of band) | -8.10% |
| AOCI / equity | -0.25% (p55 of band) | |
| ROA (annualized) | 0.20% (p5 of band) | 1.28% |
| Net interest margin | 3.13% (p13 of band) | 3.91% |
| Efficiency ratio | 93.62% (p97 of band) | |
| Noncurrent loans | 0.36% (p46 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p52 of band) | |
| Reserve coverage of noncurrent | 187.68% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 11.99% (p17 of band) | |
| Auto loans | $2.7M (0.77% of loans; DQ 0.90%, NCO 0.00%) | |
| Loans to nondepository financials | $1.3M (2% of equity) (p92 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 73 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | reserve under noncurrent | capital falling |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | loans exceed deposits |  |
| 2014-09 | 1 | reserve under noncurrent | loans exceed deposits |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | capital falling | reserve under noncurrent |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | loans exceed deposits |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 0 |  | loans exceed deposits |
| 2016-06 | 1 | loans exceed deposits |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | loans exceed deposits |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-12 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 1 | deposits shrinking | charge-offs p90 |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 2 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 3 | expense ratio p90, uninsured deposits leaving |  |
| 2024-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | losing money |  |
| 2025-12 | 5 | loans exceed deposits, wholesale funding >15% |  |
| 2026-03 | 4 |  | losing money |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-25 [Co-op Bank announces agreement to purchase 99 West Street - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi4AJBVV95cUxORHdObUZ6V0dWTG1wYVExVU13R0Fib1FESVdhckptTlkwZkxjSEQ4YW54am02N09QLS1QWVZHcnVzci1jOHRTNnZkZjdHOVdIZkVuUmZJNjhOQm9CNjJxRHJ4cDdCSXk3RzR5VWZ6eTNSVVdZVkg3NlBDYWhCbnk2cUxTR0p6N0l5RWdCQjByNkV1bW5xN2Z2T2JZX3FiZEQ5cmRKTW9iWHRLWWk2QTA2TDViVTBqbE9LaUNoZ29oQmdjc3Atb1ozZ3V4NUNlbFp4Q2tDQ1UyaWZhd050NXgwZ3ZBVktrTTZ2RTg3S0pVUzNlMld6ODdha2RqaDBCUU8zOVBOM3VjSEFSNkFZSVd1cldzblhLYjdQN3c2QUFvZjRCVkNTRXg1ZFFHYm5SRUo4UWZkRnhaQmhLTFZranotc1hBMXoxMHpsR05qZUt3dWlGRE5xb0RWekVEa0ZlSnpn?oc=5) · The Berkshire Eagle
- 2026-05-13 [Lawsuit against Pittsfield mayor, former bank executives dismissed after settlement - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNNldObzFLM05tQl9ablRLbEp2a3MxaDVoNHJkdWk4V2pCZklaQk1FYXV6VVJ1dnJHVXlBWmVBUy1ocjVIMTEwX3YtWS1nXzRDVjJzaWNUREhWeWt3d3ZGRkU1d0dpeWtoNWhzQnhfenpkb3Y1SkZTc1hCZWx4a0M3ZlZ2UkxvWFBOdFJ6Y19QVkM3dHJXREMxVWhVUWxLS3Z5aG1YSkdyemhBbEJlbHZzUGZMc1dRVUI1bFdON0RCWWlOc0xwdTFTTVBWX3ZWOHBUaXNGQXllcVo4YU0?oc=5) · The Berkshire Eagle
- 2025-03-28 [Berkshire region real estate sales – March 28, 2025 - The Berkshire Edge](https://news.google.com/rss/articles/CBMihAFBVV95cUxQeDhlSEVKdXZKQkg5QmRIaXFnUkNhVkxRUmNhWHUxZ3VHOEI2VzdsNXdDRmZBQU5EdHpmdnNiRUVhcDVxc09LaEJ0NWhwVkU2Vi12c1hoVzBVSklUa2tjTDc5a09XaGZXR0RZWTg3aXMyZ3dMMWNXOEpzUFFnVlEzdmdrT1A?oc=5) · The Berkshire Edge
- 2026-06-02 [Pittsfield Cooperative Bank celebrates growth at annual meeting - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNTkhKdWkzLXRzNzgzaVFmbDNFREstODByVm1QdGxCbWNsZzhrb0kxblNDbFdVY2tNT3loekdtVDgyUE1DSWc5clNWZHcteVExVTE0Y2tQemJpcHJkQXN4dGpWN1VkN0FBTU1BY081NnlBSWhxZHZJbERCR2VQRkdwOUp5YXpNTUVRcmZIbjVhcm00VjFlVm9rQXYyZEJHTlFEVWtJQkNOWkloeDZnU1NFd05maGxZNjFWb3licGJTUnU0d0x2UzdNUTdCajhoRGhGS1N2dGhUVGVpdXc?oc=5) · The Berkshire Eagle
- 2017-06-02 [Berkshire region real estate sales May 14-20, 2017 - The Berkshire Edge](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZW1HLUFrUkNHRTd3NHFSN3ItWk5fOWpZaUF3NmVnNXpfUjlRU29KZ1daNXBoU25DMUNhSzJZV1dLNVJIZzhjV0xaMnVzX1NvbUVfOVdheTlqZjdlUWVJQzRkdGhMM0FSb052bmpmNkZBMS12TzBOb252WnFGR2w4VTUzTWo1UQ?oc=5) · The Berkshire Edge
- 2018-03-30 [Berkshire region real estate sales March 11–17, 2018 - The Berkshire Edge](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOazdrNU50S3QwcV9ZUW9Bc3YxRGdOTVpBbllzOVk0VkFycGVIRTNUR1pZbVdtbC1oNFZLdFBvUDJzRTRYTUJGcUd4b0h4WEFBck1zZTM3S0E5eU1PY1phNjlRTkFJTDlSSG9ya1hnS0JYMWdBalRlNDZWNVduOERDNHJ2Z2RBbElQ?oc=5) · The Berkshire Edge
- 2019-06-28 [Berkshire region real estate sales June 9-15, 2019 - The Berkshire Edge](https://news.google.com/rss/articles/CBMihgFBVV95cUxPeW53cklyMDhMYmlFUmViVnZ4VTVUT3Jna0Q1TzdrbHlJZGZWdElfWlBmNFkxY196NEhIWjhfZzVnVUNuMm9lN2hxY0lENFdEOXdpTnJZbEEyUWJpc2JkbGZNZDNfUVltdENIbmhqWVA3LUxMVGlScWJMSmxDWlNoUTc3c3BVUQ?oc=5) · The Berkshire Edge
- 2017-05-12 [Berkshire region real estate sales, April 23-29, 2017 - The Berkshire Edge](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQRU5sUjFpTmhNZ1J4ajJCYTVHZkpkN1ZIV19hYTNIczJQbVBxNlk4TXZ1R3ZPUTYwaXotd25tRWFvaXB1a2ZtU3BtUjZaTW1tRkJycjhVeTIxb0pVeTd2dUNpbE9DbUgyNDhDLTAzSFFSVVdxZGVIa2ZpR2dVN01Td1dhNlNVMHNr?oc=5) · The Berkshire Edge

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26393 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "26393", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide