Headquartered in Cambridge, Massachusetts, North Cambridge Co-operative Bank is a si with $87.1M in total assets and $60.3M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1912.
Based on its Q2 2026 filing, North Cambridge Co-operative Bank scores 83/100, which we describe as strong. That is higher than 73% of 546 banks with under $100 million in assets. Among 92 banks headquartered in Massachusetts, it ranks 6th. Its strongest component is capital cushion (100/100; 29.32%), and its lowest is earnings (26/100; 0.15%).
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 5 points (88 → 83), mostly because the earnings component weakened by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 88 |
| Q4 2024 | 87 |
| Q1 2025 | 87 |
| Q2 2025 | 88 |
| Q3 2025 | 87 |
| Q4 2025 | 86 |
| Q1 2026 | 77 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 27.46% |
| Q3 2024 | 28.03% |
| Q4 2024 | 27.77% |
| Q1 2025 | 28.61% |
| Q2 2025 | 28.72% |
| Q3 2025 | 28.36% |
| Q4 2025 | 28.72% |
| Q1 2026 | 28.49% |
| Q2 2026 | 29.32% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 1.02% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.86% |
| Q2 2025 | 1.01% |
| Q3 2025 | 0.90% |
| Q4 2025 | 0.72% |
| Q1 2026 | -0.89% |
| Q2 2026 | 0.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $87.1M | 29.32% | 0.00% | 0.15% | 73.9% |
| Q1 2026 | 77 | $86.4M | 28.49% | 0.00% | -0.89% | 77.5% |
| Q4 2025 | 86 | $88.1M | 28.72% | 0.00% | 0.72% | 75.9% |
| Q3 2025 | 87 | $85.9M | 28.36% | 0.00% | 0.90% | 79.0% |
| Q2 2025 | 88 | $85.2M | 28.72% | 0.00% | 1.01% | 79.8% |
| Q1 2025 | 87 | $83.4M | 28.61% | 0.00% | 0.86% | 83.4% |
| Q4 2024 | 87 | $83.7M | 27.77% | 0.00% | 0.77% | 82.3% |
| Q3 2024 | 88 | $82.8M | 28.03% | 0.00% | 1.02% | 85.3% |
| Q2 2024 | 86 | $83.0M | 27.46% | 0.00% | 0.69% | 84.0% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| MassMutual Private Wealth & Trust, FSBBank Springfield, MA | 93 out of 100, Very strong | $93.7M | 32.2% | 0.00% | vs |
Deposit insurance
Is my money safe at North Cambridge Co-operative Bank?
Yes. North Cambridge Co-operative Bank is an FDIC-insured institution (FDIC certificate #26567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.0% of deposits ($11.5M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 29.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 66.27% (benchmark: 10%).
1 location
Branches
North Cambridge Co-operative Bank lists 1 office in 1 city. Most locations:
- Cambridge, MA (1)
Identity & history
Profile
- Legal name
- North Cambridge Co-operative Bank
- Type
- SI
- FDIC certificate #
- 26567
- RSSD ID
- 931270
- Primary regulator
- FDIC
- Established
- January 1, 1912
- Headquarters
- 2360 Massachusetts Ave, Cambridge, MA 02140
- Website
- www.asknccb.com
- Employees
- 9
Quick answers
North Cambridge Co-operative Bank: common questions
Is North Cambridge Co-operative Bank FDIC insured?
Yes. North Cambridge Co-operative Bank is an FDIC-insured institution (FDIC certificate #26567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is North Cambridge Co-operative Bank's TellerScore?
83 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 North Cambridge Co-operative Bank ever failed?
There is no failure record for FDIC certificate #26567 in the FDIC failed bank list.
How many branches does North Cambridge Co-operative Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cambridge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| Billerica Municipal Employees Credit UnionCredit union Billerica, MA | 91 out of 100, Very strong | $23.6M | 17.8% | 0.00% | vs |