Side-by-side · Q2 2026 data
Reading Co-operative Bank vs Cape Ann Savings Bank
Metric by metric
| Measure | Reading Co-operative Bank | Cape Ann Savings Bank |
|---|---|---|
| TellerScore | 56 | 86 (stronger) |
| Capital cushion | 23 | 100 (stronger) |
| Loan quality | 98 (stronger) | 80 |
| Earnings | 37 | 89 (stronger) |
| Funding & liquidity | 47 | 60 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 15th | 97th |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $1.0B | $804.8M |
| Capital ratio | 7.35% | 20.48% (stronger) |
| Problem loans | 0.06% (stronger) | 0.59% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 0.42% | 1.72% (stronger) |
| Loans ÷ deposits | 94.9% | 90.7% (stronger) |
| Uninsured deposits | 31.0% | 23.4% (stronger) |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | — |
Cape Ann Savings Bank has the higher TellerScore (86 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Reading Co-operative Bank leads on 1 and Cape Ann Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.