# COOP BANK
ROSLINDALE, MA · FDIC certificate 26922 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $548.3M | |
| Deposits | $457.8M | |
| Loans and leases | $463.4M | |
| Total equity | $48.2M | |
| Loans / deposits | 100.40% (p89 of band) | 82.04% |
| Liquid assets / assets | 11.14% (p7 of band) | |
| Uninsured deposits / deposits | 37.32% (p83 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.11% (p67 of band) | |
| FHLB advances / assets | 7.11% | |
| Tier 1 leverage | 9.29% (p18 of band) | 10.81% |
| Unrealized securities loss / equity | -4.53% (p65 of band) | -8.10% |
| AOCI / equity | -0.21% (p58 of band) | |
| ROA (annualized) | 0.06% (p4 of band) | 1.28% |
| Net interest margin | 2.89% (p8 of band) | 3.91% |
| Efficiency ratio | 97.16% (p98 of band) | |
| Noncurrent loans | 0.57% (p57 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 140.90% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 38.92% (p46 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 | expense ratio p90 | capital falling |
| 2014-09 | 1 |  | expense ratio p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | loans exceed deposits, expense ratio p90 |  |
| 2017-12 | 2 | wholesale funding >15%, capital falling | loans exceed deposits, expense ratio p90 |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | loans exceed deposits |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | wholesale funding >15% |
| 2020-03 | 0 |  | loans exceed deposits |
| 2020-06 | 2 | capital falling, expense ratio p90 |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | expense ratio p90 |
| 2021-06 | 1 | expense ratio p90 |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | construction >100% equity |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | expense ratio p90 |
| 2022-09 | 4 | loans exceed deposits, capital falling, expense ratio p90 |  |
| 2022-12 | 5 | liquid assets <10% |  |
| 2023-03 | 6 | wholesale funding >15% |  |
| 2023-06 | 8 | noncurrent p90, reserve under noncurrent |  |
| 2023-09 | 7 |  | noncurrent p90 |
| 2023-12 | 6 |  | liquid assets <10% |
| 2024-03 | 4 | NIM <2.5% | capital falling, wholesale funding >15%, reserve under noncurrent |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 | wholesale funding >15% | construction >100% equity |
| 2024-12 | 4 | assets shrinking | wholesale funding >15% |
| 2025-03 | 2 |  | NIM <2.5%, assets shrinking |
| 2025-06 | 3 | assets shrinking |  |
| 2025-09 | 2 |  | loans exceed deposits |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 2 | loans exceed deposits | capital falling |

## 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
- 2024-06-21 [Pittsfield Cooperative Bank Opens New Branch, Unveils New Signage - iBerkshires.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPUlE3RlZ4Q2xGS2t1Wko3TnIyQ2pjTW1VeHlwbUFmeGNGV2hNcWNGc29CbURMZWRFSWtmamEwd1UzMmpJUTZLa0xralZJQThsTmsxQWVRLXZCaGFFbENrUEphU1ExejZIQ1FyelR2ajFscnFDN1VXZzU3aWZQSmtneUlQOUIzVzlCcWxMb3AxZnVRZG4yajFLRVQ0YXhwZl9aNUVTNkdkNnNNaWRzS1E?oc=5) · iBerkshires.com
- 2025-08-25 [New CEO named at Cooperative Bank of Cape Cod - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxOSHlLNlVRS1ExOFpXNHgtWThZQXNhdlhHTWlnX2dVRTRad0RsYzRxWTJlRldCNFZmdGlTaWZBTTJYR1B0Zmo3NXRBdVFNWmJUN25sT08wSEIzTm1pQlRXdW81SG4zcUdsLU5odUtJVzJuck8tQ1BaclZoWmVSYkxIb0J5Nm1FNkltOHpaZUZwV3JQanVDQlNtd0ZOWkF4RU0?oc=5) · The Business Journals
- 2024-10-14 [Pittsfield Cooperative Bank Names Gina Vallone Vice President, Branch Officer - BusinessWest](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQNTN3N25jdmg0SlAzRnJQYnhNbWVkYjhlbl9rR2pzMjZ5NFFUcC1WbHFJbGg0NjVWZEpiaEVlTmJKQVRRT0dIdXlnN2x0ZDkxY2tSTHZpRDRIQjZxQ3NydktQcVFpc3F5Mm5Tc1pCbUZ6d0F0MFYtTXNpd0xGOUZ2cnppVVFoaFdxUGJka3BsUDdoSWQ3clU2RUFpMkdZTmdvSExXQ21ueVB5WDg?oc=5) · BusinessWest
- 2024-10-25 [Pittsfield Cooperative Bank Hires Vice President - iBerkshires.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQZlptaEVfUFRQcXNHdWVUck1NTkhING5JcmtzcExuNDR1bE9HMnV3aFhGV3FaUmpOUnBBU0xzZFpTWHdYYkZMdlR2N2JMV1M3elF2VFVHNEZHWE82ckFJY0hoNl9yNGc5T2l6T2tXZEZNbVZJRjZPN1ZCV1FjNW8wN2hOV1Y0NzF4dzJRR28wY1NSakUxdTdNUQ?oc=5) · iBerkshires.com
- 2025-08-16 [Pittsfield Cooperative Bank names Mark McKenna as senior VP of commercial lending - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPdVVIRDFpV2hSQ2x4SHVmc0tqY1dkV01BVDF6Ti03d1VhYVc1Yk5xeDFlMDNnZHBwYXA4dU5RbWFtdVdrZ2dMLTdwOXA0UVRNc0ZOM2t3RGJDMEp4Vnk0X1IzZFF4TXJQNXI1MEFHTE16YlptQm00cEQyTHNCMDNmcDFRSHNFd3ExaUJuQm9DclFubW5vbUpZT3hTZHRyV3EwUFoxal9Kd29zcFJua2Y5Zjd5Y1RsUTNNaXZnWU1OY2pVSUxZNnFOTVFHOVQwaHlZZmE3TA?oc=5) · The Berkshire Eagle
- 2021-10-11 [Margaret Bradley Obituary (2006) - Dorchester, MA - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPSnFsM3ZldVRnNWVJYzBsRzJlUGdRNTM0YVR0SU02eTktdFBSSnR0ZnVIN0tnVjlCNFF0VWVybGtOZF96U25HeExmeFNDbXppNUZtLURuNzExSHZqSnl5bWlrcW9zU2FYdnM1VWF3Y2gtWWJMNGpYTDVBZVdMcTdIMlJ2dDgySTFPT255NWEwSWZXS0RpMmc?oc=5) · legacy.com
- 2026-05-07 [How Coop Bank positions itself at the heart of inclusive finance drive - thecitizen.co.tz](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQTWJZR3M3ZkxnS2FjWVpESFNXMGg2elA5YnBsOU1ka0p6MzZ3eW00Z0tkOGxZbmNINGstWl9ZQTMwcGU2Mk9mTnVLM1k2Ui1DZHVndlZuOWJ2d1dBLS1hRElGVjV3dS15MkZHSTV5eUVzWjQ4UU13ZENEMGI2SXVuREE1NzZWYVhlT2NXbWlGZ1ZWNjVJVDVMN2tLZWZNVEJWWWpManhVaXBEUnRocWxyNjFpTW1tTm1UWTNnemtJbmgwcWc?oc=5) · thecitizen.co.tz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26922 (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/42.json (key "26922", 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