TellerScore

Headquartered in Hyde Park, Massachusetts, Commonwealth Co-operative Bank is a state-chartered bank (fed member) with $205.0M in total assets and $140.6M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1886.

Commonwealth Co-operative Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 17th. Capital cushion contributes the most (100/100, 16.31%); earnings contributes the least (35/100, 0.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.31%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.50%
Earnings35/100
Return on assets (annualized): 0.37%
Funding & liquidity40/100
Loans ÷ deposits and uninsured-deposit share: 90.8% · 40.9% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.23%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 73).

TellerScore
717374Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202474
Q4 202474
Q1 202574
Q2 202574
Q3 202574
Q4 202571
Q1 202673
Q2 202673
Tier 1 leverage ratio
5.00%10.72%16.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.14%
Q3 202415.88%
Q4 202416.03%
Q1 202516.20%
Q2 202516.38%
Q3 202516.20%
Q4 202516.44%
Q1 202616.29%
Q2 202616.31%
Noncurrent loans
0.19%0.37%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.25%
Q4 20240.25%
Q1 20250.25%
Q2 20250.24%
Q3 20250.24%
Q4 20250.56%
Q1 20260.49%
Q2 20260.50%
Return on assets
0.19%0.28%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.20%
Q4 20240.19%
Q1 20250.25%
Q2 20250.23%
Q3 20250.27%
Q4 20250.26%
Q1 20260.33%
Q2 20260.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$205.0M16.31%0.50%0.37%90.8%
Q1 202673$209.4M16.29%0.49%0.33%94.2%
Q4 202571$205.3M16.44%0.56%0.26%98.2%
Q3 202574$203.2M16.20%0.24%0.27%103.6%
Q2 202574$202.1M16.38%0.24%0.23%101.4%
Q1 202574$202.5M16.20%0.25%0.25%101.0%
Q4 202474$214.7M16.03%0.25%0.19%95.0%
Q3 202474$206.5M15.88%0.25%0.20%99.1%
Q2 202474$202.7M16.14%0.19%0.23%102.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.31%
91st
Total risk-based capital0.00%
24th
Problem loans0.50%
45th
Net charge-offs0.00%
68th
Return on assets0.37%
9th
Net interest margin2.83%
7th
Efficiency ratio79.0%
15th
Loans to deposits90.8%
24th
Uninsured deposits40.9%
9th
Loan-loss reserves0.64%
6th
Texas ratio2.2%
55th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Wrentham Co-operative BankBank Wrentham, MA62 out of 100, Moderate$192.6M8.3%0.00%vs
42 North Private BankBank Canton, MA50 out of 100, Below average$182.2M7.7%0.03%vs
Bank of EastonBank North Easton, MA74 out of 100, Strong$249.0M10.3%0.00%vs
Canton Co-operative BankBank Canton, MA83 out of 100, Strong$154.8M15.3%0.06%vs
Marblehead BankBank Marblehead, MA64 out of 100, Moderate$262.5M10.1%0.30%vs
Millbury National BankBank Millbury, MA65 out of 100, Moderate$146.5M9.5%0.44%vs

Deposit insurance

Is my money safe at Commonwealth Co-operative Bank?

Yes. Commonwealth Co-operative Bank is an FDIC-insured institution (FDIC certificate #29842). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.9% of deposits ($57.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Commonwealth Co-operative Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Commonwealth Co-operative Bank
Former names
Hyde Park Co-operative Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
29842
RSSD ID
275479
Primary regulator
FED
Established
January 1, 1886
Headquarters
1172 River St, Hyde Park, MA 02136
Employees
14

Quick answers

Commonwealth Co-operative Bank: common questions

Is Commonwealth Co-operative Bank FDIC insured?

Yes. Commonwealth Co-operative Bank is an FDIC-insured institution (FDIC certificate #29842). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Commonwealth Co-operative Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Commonwealth Co-operative Bank ever failed?

There is no failure record for FDIC certificate #29842 in the FDIC failed bank list.

How many branches does Commonwealth Co-operative Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hyde Park

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs