TellerScore

Headquartered in Wrentham, Massachusetts, Wrentham Co-operative Bank is a si with $192.6M in total assets and $175.8M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1901.

Based on its Q2 2026 filing, Wrentham Co-operative Bank scores 62/100, which we describe as moderate. That is higher than only 22% of 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 57th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (22/100; 0.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Tier 1 leverage ratio: 8.34%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings22/100
Return on assets (annualized): 0.04%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 67.2% · 24.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (61 → 62).

TellerScore
616262Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202461
Q4 202461
Q1 202562
Q2 202561
Q3 202561
Q4 202561
Q1 202662
Q2 202662
Tier 1 leverage ratio
5.00%7.31%9.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.61%
Q3 20249.33%
Q4 20249.23%
Q1 20259.12%
Q2 20258.89%
Q3 20258.81%
Q4 20258.65%
Q1 20268.47%
Q2 20268.34%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.73%-0.34%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.72%
Q3 2024-0.73%
Q4 2024-0.69%
Q1 2025-0.35%
Q2 2025-0.29%
Q3 2025-0.24%
Q4 2025-0.22%
Q1 20260.00%
Q2 20260.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$192.6M8.34%0.00%0.04%67.2%
Q1 202662$195.0M8.47%0.00%0.00%63.1%
Q4 202561$188.5M8.65%0.00%-0.22%65.8%
Q3 202561$182.4M8.81%0.00%-0.24%68.9%
Q2 202561$182.7M8.89%0.00%-0.29%67.5%
Q1 202562$182.9M9.12%0.00%-0.35%65.5%
Q4 202461$179.1M9.23%0.00%-0.69%67.2%
Q3 202461$177.2M9.33%0.00%-0.73%67.1%
Q2 202462$177.5M9.61%0.00%-0.72%65.8%

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).

Capital ratio8.34%
4th
Total risk-based capital20.92%
88th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets0.04%
4th
Net interest margin2.05%
1st
Efficiency ratio98.0%
3rd
Loans to deposits67.2%
74th
Uninsured deposits24.0%
50th
Loan-loss reserves0.35%
2nd
Texas ratio0.0%
95th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
42 North Private BankBank Canton, MA50 out of 100, Below average$182.2M7.7%0.03%vs
Commonwealth Co-operative BankBank Hyde Park, MA73 out of 100, Strong$205.0M16.3%0.50%vs
Canton Co-operative BankBank Canton, MA83 out of 100, Strong$154.8M15.3%0.06%vs
Millbury National BankBank Millbury, MA65 out of 100, Moderate$146.5M9.5%0.44%vs
Methuen Co-operative BankBank Methuen, MA56 out of 100, Moderate$141.3M9.4%1.05%vs
Bank of EastonBank North Easton, MA74 out of 100, Strong$249.0M10.3%0.00%vs

Deposit insurance

Is my money safe at Wrentham Co-operative Bank?

Yes. Wrentham Co-operative Bank is an FDIC-insured institution (FDIC certificate #26576). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.0% of deposits ($42.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.34%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.92% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Wrentham Co-operative Bank lists 3 offices in 2 cities. Most locations:

  • Wrentham, MA (2)
  • Norfolk, MA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Wrentham Co-operative Bank reported 27 home-loan applications under HMDA (LEI 549300B4RK7F18UZ4X46): 25 originated ($14,555,000 total), 0 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Wrentham Co-operative Bank
Type
SI
FDIC certificate #
26576
RSSD ID
948278
Primary regulator
FDIC
Established
January 1, 1901
Headquarters
102 South St, Wrentham, MA 02093
Employees
18

Quick answers

Wrentham Co-operative Bank: common questions

Is Wrentham Co-operative Bank FDIC insured?

Yes. Wrentham Co-operative Bank is an FDIC-insured institution (FDIC certificate #26576). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Wrentham 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 Wrentham Co-operative Bank ever failed?

There is no failure record for FDIC certificate #26576 in the FDIC failed bank list.

How many branches does Wrentham Co-operative Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wrentham

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Stoughton Town Employees Federal Credit UnionCredit union Stoughton, MA89 out of 100, Very strong$2.4M16.6%0.00%vs
Brookline Municipal Credit UnionCredit union Brookline, MA88 out of 100, Very strong$51.0M13.4%0.03%vs