Headquartered in Franklin, Massachusetts, Dean Co-operative Bank is a si with $494.3M in total assets and $420.6M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1889.
Based on its Q2 2026 filing, Dean Co-operative Bank scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 59th. Its strongest component is problem-loan coverage (97/100; 1.3%), and its lowest is capital cushion (33/100; 8.26%).
TellerScore · Q2 2026
Scorecard
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 (60 → 61).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 59 |
| Q4 2024 | 57 |
| Q1 2025 | 58 |
| Q2 2025 | 60 |
| Q3 2025 | 61 |
| Q4 2025 | 61 |
| Q1 2026 | 63 |
| Q2 2026 | 61 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.08% |
| Q3 2024 | 8.10% |
| Q4 2024 | 7.98% |
| Q1 2025 | 8.01% |
| Q2 2025 | 8.02% |
| Q3 2025 | 8.11% |
| Q4 2025 | 8.14% |
| Q1 2026 | 8.25% |
| Q2 2026 | 8.26% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.30% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.24% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $494.3M | 8.26% | 0.13% | 0.39% | 83.8% |
| Q1 2026 | 63 | $493.3M | 8.25% | 0.07% | 0.40% | 81.4% |
| Q4 2025 | 61 | $489.2M | 8.14% | 0.08% | 0.29% | 82.0% |
| Q3 2025 | 61 | $479.4M | 8.11% | 0.08% | 0.27% | 82.8% |
| Q2 2025 | 60 | $481.5M | 8.02% | 0.12% | 0.24% | 82.3% |
| Q1 2025 | 58 | $477.0M | 8.01% | 0.28% | 0.22% | 82.2% |
| Q4 2024 | 57 | $474.9M | 7.98% | 0.30% | 0.11% | 82.7% |
| Q3 2024 | 59 | $471.0M | 8.10% | 0.18% | 0.09% | 80.6% |
| Q2 2024 | 60 | $461.4M | 8.08% | 0.07% | 0.08% | 79.9% |
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).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Seamen's BankBank Provincetown, MA | 70 out of 100, Strong | $478.5M | 12.6% | 0.76% | vs |
| The Pittsfield Co-operative BankBank Pittsfield, MA | 69 out of 100, Moderate | $451.5M | 13.4% | 0.36% | vs |
| North Brookfield Savings BankBank North Brookfield, MA | 71 out of 100, Strong | $448.7M | 10.9% | 0.29% | vs |
| The National Grand Bank of MarbleheadBank Marblehead, MA | 68 out of 100, Moderate | $444.8M | 10.3% | 0.05% | vs |
| Milford Federal BankBank Milford, MA | 67 out of 100, Moderate | $545.1M | 11.9% | 0.40% | vs |
| The Cooperative BankBank Roslindale, MA | 52 out of 100, Below average | $548.3M | 9.3% | 0.57% | vs |
Deposit insurance
Is my money safe at Dean Co-operative Bank?
Yes. Dean Co-operative Bank is an FDIC-insured institution (FDIC certificate #27269). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.7% of deposits ($82.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.26%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.44% (benchmark: 10%).
4 locations
Branches
Dean Co-operative Bank lists 4 offices in 4 cities. Most locations:
- Bellingham, MA (1)
- Blackstone, MA (1)
- Franklin, MA (1)
- Mendon, MA (1)
Identity & history
Profile
- Legal name
- Dean Co-operative Bank
- Type
- SI
- FDIC certificate #
- 27269
- RSSD ID
- 271275
- Primary regulator
- FDIC
- Established
- January 1, 1889
- Headquarters
- 21 Main St, Franklin, MA 02038
- Website
- www.deanbank.com
- Employees
- 69
Quick answers
Dean Co-operative Bank: common questions
Is Dean Co-operative Bank FDIC insured?
Yes. Dean Co-operative Bank is an FDIC-insured institution (FDIC certificate #27269). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Dean Co-operative Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Dean Co-operative Bank ever failed?
There is no failure record for FDIC certificate #27269 in the FDIC failed bank list.
How many branches does Dean Co-operative Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Franklin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| Attleboro M E Federal Credit UnionCredit union Attleboro, MA | 90 out of 100, Very strong | $24.6M | 13.7% | 0.13% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |