# COLONIAL COOP BANK
GARDNER, MA · FDIC certificate 26556 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $65.4M | |
| Deposits | $60.7M | |
| Loans and leases | $55.5M | |
| Total equity | $4.0M | |
| Loans / deposits | 91.04% (p79 of band) | 75.02% |
| Liquid assets / assets | 11.36% (p8 of band) | |
| Uninsured deposits / deposits | 7.14% (p15 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 4.85% (p0 of band) | 11.04% |
| Unrealized securities loss / equity | 0.00% (p90 of band) | -2.21% |
| AOCI / equity | 0.00% (p92 of band) | |
| ROA (annualized) | -7.83% (p0 of band) | 0.95% |
| Net interest margin | 3.77% (p52 of band) | 3.73% |
| Efficiency ratio | 251.14% (p100 of band) | |
| Noncurrent loans | 2.51% (p88 of band) | 0.60% |
| Net charge-offs (annualized) | 4.21% (p100 of band) | |
| Reserve coverage of noncurrent | 15.46% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 27.88% (p63 of band) | |
| Auto loans | $59,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.0% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 6 | leverage <7% |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking | charge-offs p90, capital falling |
| 2012-06 | 6 |  |  |
| 2012-09 | 6 |  |  |
| 2012-12 | 7 | capital falling |  |
| 2013-03 | 3 | charge-offs p90 | losing money, expense ratio p90, deposits shrinking, assets shrinking, capital falling |
| 2013-06 | 4 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-09 | 6 | noncurrent p90, uninsured deposits leaving |  |
| 2013-12 | 4 | losing money, charge-offs p90 | deposits shrinking, assets shrinking, noncurrent p90, uninsured deposits leaving |
| 2014-03 | 3 |  | losing money |
| 2014-06 | 3 | noncurrent p90 | charge-offs p90 |
| 2014-09 | 2 |  | noncurrent p90 |
| 2014-12 | 4 | expense ratio p90, noncurrent p90 |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 6 | liquid assets <10%, losing money |  |
| 2015-09 | 5 |  | liquid assets <10% |
| 2015-12 | 3 |  | noncurrent p90, losing money |
| 2016-03 | 2 |  | expense ratio p90 |
| 2016-06 | 3 | noncurrent p90 |  |
| 2016-09 | 3 | uninsured deposits leaving | noncurrent p90 |
| 2016-12 | 6 | liquid assets <10%, expense ratio p90, noncurrent p90 |  |
| 2017-03 | 6 | charge-offs p90 | liquid assets <10% |
| 2017-06 | 4 |  | uninsured deposits leaving, noncurrent p90 |
| 2017-09 | 8 | liquid assets <10%, noncurrent p90, deposits shrinking, assets shrinking |  |
| 2017-12 | 4 | losing money | expense ratio p90, charge-offs p90, liquid assets <10%, deposits shrinking, assets shrinking |
| 2018-03 | 10 | leverage <5%, capital falling, expense ratio p90, charge-offs p90, deposits shrinking, assets shrinking | noncurrent p90 |

## 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=26556 (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/60.json (key "26556", 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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