Total Assets
$1.4B
Total balance-sheet footings
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.
- $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.
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.
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 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
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'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
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
Profitability metrics
Return on Assets (ROA)
3rd percentile nationally
-0.51%
Return on Equity (ROE)
-4.47%
Efficiency Ratio
63.98%
What the numbers say about Fidelity Co-operative Bank
Fidelity Co-operative Bank is an FDIC-insured institution (Certificate #26451) headquartered in Leominster, Massachusetts, established in 1888. It holds $1.4B in total assets - 800th of 4,313 FDIC-insured banks, $1.2B in customer deposits, and $1.0B in net loans. Capital-wise, the Tier 1 ratio sits at 8.94%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 27.51%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of D (36 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Fidelity Co-operative Bank sits 40th of 91 banks headquartered in Massachusetts by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Massachusetts by total assets
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.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Fidelity Co-operative Bank's health grade?▼
Fidelity Co-operative Bank receives a health grade of D (36/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Fidelity Co-operative Bank?▼
Fidelity Co-operative Bank holds $1.4B in total assets and $1.2B in deposits, ranking 800th of 4,313 FDIC-insured banks by asset size. It is headquartered in Leominster, Massachusetts.
Is my money safe at Fidelity Co-operative Bank?▼
Yes, deposits at Fidelity Co-operative Bank (Certificate #26451) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Fidelity Co-operative Bank's Tier 1 Capital Ratio?▼
Fidelity Co-operative Bank has a Tier 1 Capital Ratio of 8.94%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Fidelity Co-operative Bank?▼
Fidelity Co-operative Bank has a Texas Ratio of 27.51%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Fidelity Co-operative Bank?▼
Fidelity Co-operative Bank has an Efficiency Ratio of 63.98%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Fidelity Co-operative Bank's profile as a depositor or analyst.
- Fidelity Co-operative Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Fidelity Co-operative Bank against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.