Fidelity Co-operative Bank is a state-chartered bank (fed member) headquartered in Leominster, Massachusetts, in business for about 138 years. At the end of Q2 2026 it reported $1.3B in total assets and $1.1B in deposits, with 13 offices.
Based on its Q2 2026 filing, Fidelity Co-operative Bank scores 39/100, which we describe as low. That is higher than only 2% of 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 90th. Its strongest component is funding & liquidity (59/100; 85% loans-to-deposits, 30% uninsured), and its lowest is loan quality (0/100; 4.44%).
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 fell 21 points (60 → 39), mostly because the loan quality component weakened by 72 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 58 |
| Q4 2024 | 58 |
| Q1 2025 | 60 |
| Q2 2025 | 60 |
| Q3 2025 | 35 |
| Q4 2025 | 24 |
| Q1 2026 | 36 |
| Q2 2026 | 39 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.95% |
| Q3 2024 | 9.29% |
| Q4 2024 | 9.16% |
| Q1 2025 | 9.07% |
| Q2 2025 | 9.09% |
| Q3 2025 | 8.56% |
| Q4 2025 | 8.94% |
| Q1 2026 | 9.44% |
| Q2 2026 | 9.86% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.85% |
| Q3 2025 | 2.30% |
| Q4 2025 | 4.92% |
| Q1 2026 | 4.61% |
| Q2 2026 | 4.44% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.87% |
| Q3 2025 | -0.28% |
| Q4 2025 | -0.51% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 39 | $1.3B | 9.86% | 4.44% | 0.80% | 84.7% |
| Q1 2026 | 36 | $1.3B | 9.44% | 4.61% | 0.79% | 88.5% |
| Q4 2025 | 24 | $1.4B | 8.94% | 4.92% | -0.51% | 88.3% |
| Q3 2025 | 35 | $1.4B | 8.56% | 2.30% | -0.28% | 84.7% |
| Q2 2025 | 60 | $1.6B | 9.09% | 0.85% | 0.87% | 78.2% |
| Q1 2025 | 60 | $1.6B | 9.07% | 0.83% | 0.86% | 80.4% |
| Q4 2024 | 58 | $1.6B | 9.16% | 0.83% | 0.52% | 78.6% |
| Q3 2024 | 58 | $1.6B | 9.29% | 0.84% | 0.42% | 74.4% |
| Q2 2024 | 63 | $1.5B | 9.95% | 0.14% | 0.06% | 76.4% |
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 |
|---|---|---|---|---|---|
| Webster Five Cents Savings BankBank Webster, MA | 70 out of 100, Strong | $1.3B | 12.5% | 0.46% | vs |
| Martha's Vineyard BankBank Edgartown, MA | 69 out of 100, Moderate | $1.3B | 11.8% | 0.09% | vs |
| MutualOne BankBank Framingham, MA | 54 out of 100, Below average | $1.2B | 21.1% | 5.92% | vs |
| Reading Co-operative BankBank Reading, MA | 56 out of 100, Moderate | $1.2B | 7.3% | 0.06% | vs |
| Watertown Savings BankBank Watertown, MA | 78 out of 100, Strong | $1.4B | 12.0% | 0.17% | vs |
| Pentucket BankBank Haverhill, MA | 63 out of 100, Moderate | $1.1B | 11.7% | 0.79% | vs |
Deposit insurance
Is my money safe at Fidelity Co-operative Bank?
Yes. Fidelity Co-operative Bank is an FDIC-insured institution (FDIC certificate #26451). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.8% of deposits ($332.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.86%, 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%).
13 locations
Branches
Fidelity Co-operative Bank lists 13 offices in 11 cities. Most locations:
- Leominster, MA (2)
- Worcester, MA (2)
- Barre, MA (1)
- Fitchburg, MA (1)
- Gardner, MA (1)
- Millbury, MA (1)
- Needham, MA (1)
- Paxton, MA (1)
- Princeton, MA (1)
- Shirley, MA (1)
- Winchendon, MA (1)
HMDA 2025
Mortgage lending
In 2025, Fidelity Co-operative Bank reported 518 home-loan applications under HMDA (LEI 5493004LN4GS7BNXIO13): 370 originated ($75,770,000 total), 91 denied, and 36 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.9%, 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
- Fidelity Co-operative Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 26451
- RSSD ID
- 933377
- Primary regulator
- FED
- Holding company
- Mutual Bcorp
- Established
- January 1, 1888
- Headquarters
- 9 Leominster Connector, Leominster, MA 01453
- Website
- www.fidelitybankonline.com
- Employees
- 96
Quick answers
Fidelity Co-operative Bank: common questions
Is Fidelity Co-operative Bank FDIC insured?
Yes. Fidelity Co-operative Bank is an FDIC-insured institution (FDIC certificate #26451). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Fidelity Co-operative Bank's TellerScore?
39 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Fidelity Co-operative Bank ever failed?
There is no failure record for FDIC certificate #26451 in the FDIC failed bank list.
How many branches does Fidelity Co-operative Bank have?
13 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Leominster
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fidelity Personal Trust Company, FSBBank Merrimack, NH | 93 out of 100, Very strong | $74.6M | 101.5% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Webster First Federal Credit UnionCredit union Worcester, MA | 87 out of 100, Very strong | $1.5B | 19.7% | 0.41% | vs |
| Allcom Credit UnionCredit union Worcester, MA | 85 out of 100, Very strong | $81.8M | 16.6% | 0.07% | vs |
| Leominster Employees Federal Credit UnionCredit union Leominster, MA | 80 out of 100, Strong | $30.0M | 11.2% | 0.01% | vs |
| Middlesex Savings BankBank Natick, MA | 79 out of 100, Strong | $6.1B | 13.4% | 0.33% | vs |