Total Assets
$543M
Total balance-sheet footings
FDIC Cert #26922 · Roslindale, Massachusetts · Est. 1898
The Cooperative Bank - FDIC Bank Health Profile
A community-scale look at The Cooperative Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $543M
- Total assets
- C
- Health grade · Fair
- 0.12%
- Return on assets
- 13.3%
- Tier 1 capital
Data updated July 2026
The verdict
The Cooperative Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 13.25% Tier 1, 0.12% ROA, 96% efficiency ratio.
- #1,690
- largest of 4,313 FDIC banks by assets
- 61st
- percentile by asset size, nationally
- 13.25%
- Tier 1 ratio - above the 10% well-capitalized line
- 7th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Cooperative Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Cooperative Bank's composite health score
Tier 1 Capital Ratio (13.25%) 35/40
Return on Assets (ROA) (0.12%) 7/25
Texas Ratio (4.71%) 20/20
Efficiency Ratio (95.93%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$455M
Customer-funded liabilities
Net Loans
$453M
Outstanding loan book
Net Income
$629K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Cooperative Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Cooperative Bank's score of 62/100 falls in the highlighted band.
The Cooperative 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). The Cooperative Bank's $543M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.25% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.25%
Texas Ratio
4.71%
Equity Capital
$48M
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.12%
Return on Equity (ROE)
1.33%
Efficiency Ratio
95.93%
What the numbers say about The Cooperative Bank
The Cooperative Bank is an FDIC-insured institution (Certificate #26922) headquartered in Roslindale, Massachusetts, established in 1898. It holds $543M in total assets - 1,690th of 4,313 FDIC-insured banks, $455M in customer deposits, and $453M in net loans. Looking at capital strength, Tier 1 stands at 13.25%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.71%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (62/100), 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.
Within Massachusetts, The Cooperative Bank ranks 69th of 91 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$25M
Interest Income
$1M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Cooperative Bank reports a Texas Ratio of 4.71% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.71% - 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) The Cooperative Bank (FDIC Cert #26922) - 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 The Cooperative Bank's health grade?▼
The Cooperative Bank receives a health grade of C (62/100) 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 The Cooperative Bank?▼
The Cooperative Bank holds $543M in total assets and $455M in deposits, ranking 1,690th of 4,313 FDIC-insured banks by asset size. It is headquartered in Roslindale, Massachusetts.
Is my money safe at The Cooperative Bank?▼
Yes, deposits at The Cooperative Bank (Certificate #26922) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Cooperative Bank's Tier 1 Capital Ratio?▼
The Cooperative Bank has a Tier 1 Capital Ratio of 13.25%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Cooperative Bank?▼
The Cooperative Bank has a Texas Ratio of 4.71%. 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 The Cooperative Bank?▼
The Cooperative Bank has an Efficiency Ratio of 95.93%. 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 The Cooperative Bank's profile as a depositor or analyst.
- The Cooperative Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Cooperative 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.