| Metric | Dean Co-operative Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.6 pts |
| Loan growth (YoY) | +3.3% | +5.6% | -2.3 pts |
| ROA | 0.39% | 1.24% | -0.8 pts |
| ROE | 5.8% | 11.9% | -6.0 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $494.3M | $420.6M | $352.6M | $33.2M | $959K | 0.39% | 3.26% | 0.09% |
| Q1 2026 | $493.3M | $422.7M | $344.1M | $32.6M | $487K | 0.40% | 3.20% | 0.05% |
| Q4 2025 | $489.2M | $419.2M | $343.7M | $32.7M | $1.4M | 0.29% | 2.97% | 0.05% |
| Q3 2025 | $479.4M | $409.2M | $338.9M | $31.7M | $971K | 0.27% | 2.93% | 0.06% |
| Q2 2025 | $481.5M | $414.9M | $341.5M | $29.6M | $569K | 0.24% | 2.89% | 0.08% |
| Q1 2025 | $477.0M | $407.6M | $335.2M | $29.4M | $267K | 0.22% | 2.84% | 0.20% |
| Q4 2024 | $474.9M | $398.3M | $329.6M | $27.6M | $504K | 0.11% | 2.66% | 0.21% |
| Q3 2024 | $471.0M | $398.3M | $321.0M | $30.2M | $324K | 0.09% | 2.65% | 0.13% |
Loan mix (Q2 2026): real estate $321.5M · commercial $29.6M · consumer $4.6M · securities $103.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Dean Co-operative Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 62.9% | 91st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Dean Co-operative Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Dean Co-operative Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Dean Co-operative Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Dean Co-operative Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Dean Co-operative Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 2 counties across 1 state (+0 vs 2024) · $414.9M branch deposits. Biggest market: Norfolk, MA, ranked 23rd with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Norfolk, MA | 2 | $286.4M | 0.66% | 23rd |
| Worcester, MA | 2 | $128.5M | 0.46% | 33rd |
Massachusetts: 104th with 0.07% · Boston-Cambridge-Newton metro: 83rd, 0.05% · Worcester metro: 33rd, 0.46% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4