Total Assets
$135M
Total balance-sheet footings
FDIC Cert #26513 · Stoughton, Massachusetts · Est. 1886
Stoughton Co-operative Bank - FDIC Bank Health Profile
A community-scale look at Stoughton Co-operative Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $135M
- Total assets
- C
- Health grade · Fair
- 0.51%
- Return on assets
- 9.6%
- Tier 1 capital
Data updated July 2026
The verdict
Stoughton Co-operative Bank earns a PlainBankData health grade of C (56/100), with 9.61% Tier 1 capital, 0.51% ROA, 77% efficiency ratio.
- #3,477
- largest of 4,313 FDIC banks by assets
- 19th
- percentile by asset size, nationally
- 9.61%
- Tier 1 ratio - below the 10% well-capitalized line
- 16th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Stoughton Co-operative Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Stoughton Co-operative Bank's composite health score
Tier 1 Capital Ratio (9.61%) 18/40
Return on Assets (ROA) (0.51%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (76.76%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$118M
Customer-funded liabilities
Net Loans
$109M
Outstanding loan book
Net Income
$675K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Stoughton Co-operative Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Stoughton Co-operative Bank's score of 56/100 falls in the highlighted band.
Stoughton 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). Stoughton Co-operative Bank's $135M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.61% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.61%
Texas Ratio
0.00%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
16th percentile nationally
0.51%
Return on Equity (ROE)
5.74%
Efficiency Ratio
76.76%
What the numbers say about Stoughton Co-operative Bank
Stoughton Co-operative Bank is an FDIC-insured institution (Certificate #26513) headquartered in Stoughton, Massachusetts, established in 1886. It holds $135M in total assets - 3,477th of 4,313 FDIC-insured banks, $118M in customer deposits, and $109M in net loans. On safety, its Tier 1 capital ratio of 9.61% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Stoughton Co-operative Bank ranks 89th of 91 banks based in Massachusetts -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$216K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Stoughton Co-operative Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Massachusetts by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Stoughton Co-operative Bank (FDIC Cert #26513) - 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 Stoughton Co-operative Bank's health grade?▼
Stoughton Co-operative Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Stoughton Co-operative Bank?▼
Stoughton Co-operative Bank holds $135M in total assets and $118M in deposits, ranking 3,477th of 4,313 FDIC-insured banks by asset size. It is headquartered in Stoughton, Massachusetts.
Is my money safe at Stoughton Co-operative Bank?▼
Yes, deposits at Stoughton Co-operative Bank (Certificate #26513) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Stoughton Co-operative Bank's Tier 1 Capital Ratio?▼
Stoughton Co-operative Bank has a Tier 1 Capital Ratio of 9.61%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Stoughton Co-operative Bank?▼
Stoughton Co-operative Bank has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Stoughton Co-operative Bank?▼
Stoughton Co-operative Bank has an Efficiency Ratio of 76.76%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Stoughton Co-operative Bank's profile as a depositor or analyst.
- Stoughton Co-operative Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Stoughton 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.