# NORTHAMPTON COOP BANK
NORTHAMPTON, MA · FDIC certificate 26454 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $164.1M | |
| Deposits | $131.8M | |
| Loans and leases | $93.0M | |
| Total equity | $23.3M | |
| Loans / deposits | 70.21% (p50 of band) | 70.43% |
| Liquid assets / assets | 35.12% (p51 of band) | |
| Uninsured deposits / deposits | 7.25% (p22 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.87% (p68 of band) | |
| FHLB advances / assets | 4.87% | |
| Tier 1 leverage | 13.98% (p84 of band) | 10.49% |
| Unrealized securities loss / equity | -0.90% (p5 of band) | 1.32% |
| AOCI / equity | 1.03% (p70 of band) | |
| ROA (annualized) | -0.48% (p4 of band) | 0.80% |
| Net interest margin | 2.65% (p10 of band) | 3.57% |
| Efficiency ratio | 125.91% (p98 of band) | |
| Noncurrent loans | 0.67% (p46 of band) | 0.77% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 77.54% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 8.12% (p38 of band) | |
| Auto loans | $23,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.3% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 5 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2015-03 | 3 |  | capital falling, uninsured deposits leaving |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26454 (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/22.json (key "26454", 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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