Everett Co-operative Bank is a si headquartered in Everett, Massachusetts, in business for about 136 years. At the end of Q2 2026 it reported $1.7B in total assets and $1.2B in deposits, with 3 offices.
Based on its Q2 2026 filing, Everett Co-operative Bank scores 62/100, which we describe as moderate. That is higher than only 27% of 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 53rd. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is funding & liquidity (21/100; 116% loans-to-deposits, 41% uninsured).
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
From Q2 2025 to Q2 2026, the score rose 2 points (60 → 62), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 61 |
| Q4 2024 | 60 |
| Q1 2025 | 60 |
| Q2 2025 | 60 |
| Q3 2025 | 60 |
| Q4 2025 | 60 |
| Q1 2026 | 62 |
| Q2 2026 | 62 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.78% |
| Q3 2024 | 10.67% |
| Q4 2024 | 10.47% |
| Q1 2025 | 10.31% |
| Q2 2025 | 10.03% |
| Q3 2025 | 9.85% |
| Q4 2025 | 9.86% |
| Q1 2026 | 9.83% |
| Q2 2026 | 9.81% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.11% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.36% |
| Q3 2025 | 0.45% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $1.7B | 9.81% | 0.10% | 0.77% | 115.8% |
| Q1 2026 | 62 | $1.6B | 9.83% | 0.09% | 0.76% | 114.9% |
| Q4 2025 | 60 | $1.6B | 9.86% | 0.08% | 0.50% | 119.9% |
| Q3 2025 | 60 | $1.6B | 9.85% | 0.09% | 0.45% | 116.5% |
| Q2 2025 | 60 | $1.5B | 10.03% | 0.10% | 0.36% | 118.7% |
| Q1 2025 | 60 | $1.5B | 10.31% | 0.11% | 0.35% | 111.9% |
| Q4 2024 | 60 | $1.4B | 10.47% | 0.17% | 0.28% | 112.0% |
| Q3 2024 | 61 | $1.4B | 10.67% | 0.10% | 0.24% | 116.2% |
| Q2 2024 | 61 | $1.3B | 10.78% | 0.11% | 0.20% | 116.2% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Cape & Coast BankBank Yarmouth Port, MA | 53 out of 100, Below average | $1.7B | 9.7% | 0.94% | vs |
| Main Street BankBank Marlborough, MA | 58 out of 100, Moderate | $1.7B | 12.0% | 1.69% | vs |
| East Cambridge Savings BankBank Cambridge, MA | 59 out of 100, Moderate | $1.7B | 9.7% | 0.20% | vs |
| Bluestone BankBank Raynham, MA | 51 out of 100, Below average | $1.6B | 9.5% | 1.04% | vs |
| Newburyport Five Cents Savings BankBank Newburyport, MA | 44 out of 100, Below average | $1.6B | 9.8% | 1.66% | vs |
| Greenfield Savings BankBank Greenfield, MA | 61 out of 100, Moderate | $1.5B | 10.1% | 0.42% | vs |
Deposit insurance
Is my money safe at Everett Co-operative Bank?
Yes. Everett Co-operative Bank is an FDIC-insured institution (FDIC certificate #26444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 41.4% of deposits ($498.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.81%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.90% (benchmark: 10%).
3 locations
Branches
Everett Co-operative Bank lists 3 offices in 3 cities. Most locations:
- Everett, MA (1)
- Lynnfield, MA (1)
- Woburn, MA (1)
HMDA 2025
Mortgage lending
In 2025, Everett Co-operative Bank reported 231 home-loan applications under HMDA (LEI 549300C2GTHMQQJ5CS20): 200 originated ($281,570,000 total), 13 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Everett Co-operative Bank
- Type
- SI
- FDIC certificate #
- 26444
- RSSD ID
- 952172
- Primary regulator
- FDIC
- Holding company
- Ecb Bcorp Inc
- Established
- January 1, 1890
- Headquarters
- 419 Broadway, Everett, MA 02149
- Website
- www.everettbank.com
- Employees
- 67
Quick answers
Everett Co-operative Bank: common questions
Is Everett Co-operative Bank FDIC insured?
Yes. Everett Co-operative Bank is an FDIC-insured institution (FDIC certificate #26444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Everett Co-operative Bank's TellerScore?
62 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 Everett Co-operative Bank ever failed?
There is no failure record for FDIC certificate #26444 in the FDIC failed bank list.
How many branches does Everett Co-operative Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Everett
| 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 |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | 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 |
| Danvers Municipal Federal Credit UnionCredit union Danvers, MA | 91 out of 100, Very strong | $8.2M | 39.0% | 0.00% | vs |