Total Assets
$138M
Total balance-sheet footings
FDIC Cert #26512 · Methuen, Massachusetts · Est. 1923
Methuen 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.
- $138M
- Total assets
- D
- Health grade · Weak
- 0.37%
- Return on assets
- 9.3%
- Tier 1 capital
Data updated July 2026
The verdict
Methuen Co-operative Bank earns a PlainBankData health grade of D (41/100), with 9.27% Tier 1 capital, 0.37% ROA, 85% efficiency ratio.
- #3,446
- largest of 4,313 FDIC banks by assets
- 20th
- percentile by asset size, nationally
- 9.27%
- Tier 1 ratio - below the 10% well-capitalized line
- 12th
- 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 Methuen Co-operative Bank's 41/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Methuen Co-operative Bank's composite health score
Tier 1 Capital Ratio (9.27%) 18/40
Return on Assets (ROA) (0.37%) 7/25
Texas Ratio (8.53%) 16/20
Efficiency Ratio (84.85%) 0/15
41 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$125M
Customer-funded liabilities
Net Loans
$103M
Outstanding loan book
Net Income
$511K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Methuen Co-operative Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Methuen Co-operative Bank's score of 41/100 falls in the highlighted band.
Methuen 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). Methuen Co-operative Bank's $138M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.27% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.27%
Texas Ratio
8.53%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
12th percentile nationally
0.37%
Return on Equity (ROE)
4.01%
Efficiency Ratio
84.85%
What the numbers say about Methuen Co-operative Bank
Methuen Co-operative Bank is an FDIC-insured institution (Certificate #26512) headquartered in Methuen, Massachusetts, established in 1923. It holds $138M in total assets - 3,446th of 4,313 FDIC-insured banks, $125M in customer deposits, and $103M in net loans. Capital-wise, the Tier 1 ratio sits at 9.27%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 8.53%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of D (41 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Methuen Co-operative Bank is a community-scale institution -- 88th of 91 FDIC-insured banks headquartered in Massachusetts by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$6M
Interest Income
$153K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Methuen Co-operative Bank reports a Texas Ratio of 8.53% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.53% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Methuen Co-operative Bank
Methuen Co-operative Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.27% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Methuen 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) Methuen Co-operative Bank (FDIC Cert #26512) - 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 Methuen Co-operative Bank's health grade?▼
Methuen Co-operative Bank receives a health grade of D (41/100) 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 Methuen Co-operative Bank?▼
Methuen Co-operative Bank holds $138M in total assets and $125M in deposits, ranking 3,446th of 4,313 FDIC-insured banks by asset size. It is headquartered in Methuen, Massachusetts.
Is my money safe at Methuen Co-operative Bank?▼
Yes, deposits at Methuen Co-operative Bank (Certificate #26512) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Methuen Co-operative Bank's Tier 1 Capital Ratio?▼
Methuen Co-operative Bank has a Tier 1 Capital Ratio of 9.27%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Methuen Co-operative Bank?▼
Methuen Co-operative Bank has a Texas Ratio of 8.53%. 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 Methuen Co-operative Bank?▼
Methuen Co-operative Bank has an Efficiency Ratio of 84.85%. 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 Methuen Co-operative Bank's profile as a depositor or analyst.
- Methuen Co-operative Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Methuen 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.