The Cooperative Bank (FDIC certificate #26922) is based in Roslindale, Massachusetts. Its Q2 2026 call report shows $548.3M in total assets and $457.8M in deposits and 4 offices.
The Cooperative Bank has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 81st. Problem-loan coverage contributes the most (90/100, 5.1%); earnings contributes the least (22/100, 0.06%).
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 2 points (54 → 52), mostly because the loan quality component weakened by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 51 |
| Q4 2024 | 51 |
| Q1 2025 | 50 |
| Q2 2025 | 54 |
| Q3 2025 | 54 |
| Q4 2025 | 53 |
| Q1 2026 | 53 |
| Q2 2026 | 52 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.58% |
| Q3 2024 | 8.76% |
| Q4 2024 | 8.96% |
| Q1 2025 | 9.09% |
| Q2 2025 | 9.16% |
| Q3 2025 | 9.32% |
| Q4 2025 | 9.30% |
| Q1 2026 | 9.27% |
| Q2 2026 | 9.29% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.53% |
| Q1 2026 | 0.57% |
| Q2 2026 | 0.57% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.12% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $548.3M | 9.29% | 0.57% | 0.06% | 100.4% |
| Q1 2026 | 53 | $543.5M | 9.27% | 0.57% | 0.12% | 97.7% |
| Q4 2025 | 53 | $543.5M | 9.30% | 0.53% | 0.12% | 99.6% |
| Q3 2025 | 54 | $539.0M | 9.32% | 0.52% | 0.13% | 99.7% |
| Q2 2025 | 54 | $544.2M | 9.16% | 0.38% | 0.04% | 100.4% |
| Q1 2025 | 50 | $551.2M | 9.09% | 0.71% | 0.09% | 101.5% |
| Q4 2024 | 51 | $554.8M | 8.96% | 0.67% | 0.11% | 102.0% |
| Q3 2024 | 51 | $573.4M | 8.76% | 0.55% | 0.08% | 104.7% |
| Q2 2024 | 47 | $574.3M | 8.58% | 0.82% | 0.02% | 105.7% |
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 |
|---|---|---|---|---|---|
| Milford Federal BankBank Milford, MA | 67 out of 100, Moderate | $545.1M | 11.9% | 0.40% | vs |
| Bay State Savings BankBank Worcester, MA | 57 out of 100, Moderate | $580.3M | 8.8% | 0.47% | vs |
| Lee BankBank Lee, MA | 64 out of 100, Moderate | $591.2M | 9.6% | 0.52% | vs |
| Dean Co-operative BankBank Franklin, MA | 61 out of 100, Moderate | $494.3M | 8.3% | 0.13% | vs |
| Seamen's BankBank Provincetown, MA | 70 out of 100, Strong | $478.5M | 12.6% | 0.76% | vs |
| Haverhill BankBank Haverhill, MA | 77 out of 100, Strong | $636.8M | 11.2% | 0.14% | vs |
Deposit insurance
Is my money safe at The Cooperative Bank?
Yes. The Cooperative Bank is an FDIC-insured institution (FDIC certificate #26922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.3% of deposits ($170.9M) 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 9.29%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.98% (benchmark: 10%).
4 locations
Branches
The Cooperative Bank lists 4 offices in 4 cities. Most locations:
- Charlestown, MA (1)
- Jamaica Plain, MA (1)
- Roslindale, MA (1)
- West Roxbury, MA (1)
Identity & history
Profile
- Legal name
- The Cooperative Bank
- Former names
- Roslindale Co-operative Bank of Boston
- Type
- SI
- FDIC certificate #
- 26922
- RSSD ID
- 714978
- Primary regulator
- FDIC
- Established
- January 1, 1898
- Headquarters
- 40 Belgrade Ave, Roslindale, MA 02131
- Website
- www.thecooperativebank.com
- Employees
- 65
Quick answers
The Cooperative Bank: common questions
Is The Cooperative Bank FDIC insured?
Yes. The Cooperative Bank is an FDIC-insured institution (FDIC certificate #26922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Cooperative Bank's TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Cooperative Bank ever failed?
There is no failure record for FDIC certificate #26922 in the FDIC failed bank list.
How many branches does The Cooperative Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Roslindale
| 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 |
| 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 |