FDIC Cert #26451 · Leominster, Massachusetts · Est. 1888

Fidelity Co-operative Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$1.4B
Total assets
D
Health grade · Weak
-0.51%
Return on assets
8.9%
Tier 1 capital

Data updated July 2026

The verdict

Fidelity Co-operative Bank earns a PlainBankData health grade of D (36/100), with 8.94% Tier 1 capital, -0.51% ROA, 64% efficiency ratio.

#800
largest of 4,313 FDIC banks by assets
81st
percentile by asset size, nationally
8.94%
Tier 1 ratio - below the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 26451 · MA D · 36/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL

  • GRADE-D D (36/100)
  • BOTTOM-DECILE #4260/4307
  • PHOTO-FINISH The State Exchange B… · OK
  • TIER1-ADEQ 8.9% Tier 1
  • TEXAS-HEALTHY 27.5% Texas
  • ROA-LOSS -0.51% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: The State Exchange Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Fidelity Co-operative Bank

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Fidelity Co-operativ… · MA ·…36/100The State Exchange B… · OK ·…36/100Crown Bank · MN · near35/100Farmers State Bank · IL · ne…35/100Pacific West Bank · OR · near35/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Fidelity Co-operative Bank · July 2026

Plate reading for Fidelity Co-operative Bank where failures stay rare

Fidelity Co-operative Bank (FDIC Cert #26451) carries a PlainBankData health grade of D at 36/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,260 of 4,307. Tier 1 capital prints at 8.94%, missing the 10% well-capitalized line. The Texas Ratio is 27.51%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.51%. Balance-sheet scale is $1.4B, 800th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The State Exchange Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Fidelity Co-operative Bank

Only 1 FAILURE resolution in Massachusetts since 2000

Fidelity Co-operative Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How Fidelity Co-operative Bank's 36/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10036/100
Fidelity Co-operative Bank's composite health score
Tier 1 Capital Ratio (8.94%) 18/40
Return on Assets (ROA) (-0.51%) 0/25
Texas Ratio (27.51%) 10/20
Efficiency Ratio (63.98%) 8/15

36 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.4B

Total balance-sheet footings

Total Deposits

$1.2B

Customer-funded liabilities

Net Loans

$1.0B

Outstanding loan book

Net Income

$-7,656K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.54% 8.94% 10.34%
Basel III capital ratios - Fidelity Co-operative Bank

Where Fidelity Co-operative Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Fidelity Co-operative Bank's score of 36/100 falls in the highlighted band.

Fidelity Co-operative Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

36 1st percentile higher than 1% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). This entry sits in this band. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Fidelity Co-operative Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Fidelity Co-operative Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Fidelity Co-operative Bank's $1.4B falls in the highlighted band.

Safety metrics: Fidelity Co-operative Bank

Tier 1 capital ratio
Well-capitalized 10%

8.94% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
8.94%
Texas Ratio
27.51%
Equity Capital
$161M

What these ratios mean →

Profitability metrics: Fidelity Co-operative Bank

Return on Assets (ROA)
3rd percentile nationally
-0.51%
Return on Equity (ROE)
-4.47%
Efficiency Ratio
63.98%

What these mean →

Income & expense: loss period at Fidelity Co-operative Bank

$88M
Interest Income
$9M
Non-Interest Income
$45M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Fidelity Co-operative Bank reports a Texas Ratio of 27.51% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

27.51% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Fidelity Co-operative Bank

Fidelity Co-operative Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-7,656K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 8.94% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Fidelity Co-operative Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Fidelity Co-operative Bank on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.4B here), outside Massachusetts so the neighborhood is not state containment.

Southwestern National Bank $1.4B · TX North State Bank $1.4B · NC Apex Bank $1.4B · TN Alliance Bank $1.4B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Fidelity Co-operative Bank (FDIC Cert #26451) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Fidelity Co-operative Bank Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
State Street Bank and Trust CompanyBoston $360.7B A 0.83%
Eastern BankBoston $30.6B B 0.39%
Rockland Trust CompanyRockland $24.9B A 1.03%
Beacon Bank and TrustBrookline $23.2B B 0.63%
Salem Five Cents Savings BankSalem $8.5B A 0.89%
Cambridge Savings BankCambridge $6.9B B 0.97%
Needham BankNeedham $6.9B B 0.90%
Middlesex Savings BankNatick $6.2B B 0.54%