Reading Co-operative Bank
Total assets
$1.19B
▼ -2.1% YoY
Deposits
$1.02B
▼ -4.0% YoY
Loans
$963.9M
▲ +0.2% YoY
Offices
13
ROA (annualized)
0.42%
peers 1.26%
ROE (annualized)
6.60%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +5.5% | -7.5 pts |
| Deposit growth (YoY) | -4.0% | +5.1% | -9.1 pts |
| Loan growth (YoY) | +0.2% | +5.9% | -5.7 pts |
| ROA | 0.42% | 1.26% | -0.8 pts |
| ROE | 6.6% | 12.2% | -5.6 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
Profile
- Established
- 1886
- Charter
- State
- Primary regulator
- FED
- Specialization
- Commercial Lending Specialization
- Address
- 180 Haven St, Reading, MA, 01867
- County
- Middlesex
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 13
- FDIC cert #
- 26620
- RSSD ID
- 1008674
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.19B | $1.02B | $963.9M | $77.0M | $2.5M | 0.42% | 3.32% | 0.05% |
| Q1 2026 | $1.18B | $1.05B | $941.8M | $75.5M | $1.3M | 0.42% | 3.30% | 0.13% |
| Q4 2025 | $1.24B | $1.11B | $935.0M | $74.3M | $5.8M | 0.52% | 3.16% | 0.79% |
| Q3 2025 | $1.20B | $1.06B | $949.1M | $71.8M | $4.4M | 0.55% | 3.12% | 0.52% |
| Q2 2025 | $1.21B | $1.06B | $962.0M | $67.6M | $1.6M | 0.30% | 2.77% | 0.65% |
| Q1 2025 | $922.3M | $799.3M | $724.3M | $55.6M | $541K | 0.23% | 2.74% | 0.62% |
| Q4 2024 | $930.5M | $692.3M | $729.5M | $53.3M | $1.9M | 0.21% | 2.60% | 0.15% |
| Q3 2024 | $922.5M | $678.2M | $711.2M | $57.3M | $1.2M | 0.17% | 2.56% | 0.11% |
Loan mix (Q2 2026): real estate $908.7M · commercial $39.1M · consumer $21.5M · securities $134.4M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 1.26% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 12.2% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.70% | 27th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 59.0% | 94th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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