Side-by-side · Q2 2026 data
The Cooperative Bank vs Bay State Savings Bank
Metric by metric
| Measure | The Cooperative Bank | Bay State Savings Bank |
|---|---|---|
| TellerScore | 52 | 57 (stronger) |
| Capital cushion | 43 (stronger) | 38 |
| Loan quality | 81 | 84 (stronger) |
| Earnings | 22 | 40 (stronger) |
| Funding & liquidity | 35 | 48 (stronger) |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 8th | 14th |
| Total assets | $548.3M | $580.3M |
| Deposits / shares | $457.8M | $513.7M |
| Capital ratio | 9.29% (stronger) | 8.82% |
| Problem loans | 0.57% | 0.47% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 0.06% | 0.51% (stronger) |
| Loans ÷ deposits | 100.4% | 94.5% (stronger) |
| Uninsured deposits | 37.3% | 30.5% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.2% |
Bay State Savings Bank has the higher TellerScore (57 vs 52). On the 7 directional measures above (where higher or lower is clearly better), The Cooperative Bank leads on 2 and Bay State Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.