Stoughton Co-operative Bank
Total assets
$135.2M
▲ +2.8% YoY
Deposits
$117.1M
▲ +0.5% YoY
Loans
$107.2M
▲ +0.7% YoY
Offices
1
ROA (annualized)
0.70%
peers 1.24%
ROE (annualized)
7.57%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.4 pts |
| Loan growth (YoY) | +0.7% | +5.6% | -4.9 pts |
| ROA | 0.70% | 1.24% | -0.5 pts |
| ROE | 7.6% | 11.9% | -4.3 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
Profile
- Established
- 1886
- Charter
- State
- Primary regulator
- FED
- Specialization
- Mortgage Lending Specialization
- Address
- 950 Park St, Stoughton, MA, 02072
- County
- Norfolk
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 1
- FDIC cert #
- 26513
- RSSD ID
- 164975
- 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 | $135.2M | $117.1M | $107.2M | $12.7M | $474K | 0.70% | 2.92% | 0.00% |
| Q1 2026 | $134.2M | $116.3M | $108.9M | $12.5M | $228K | 0.68% | 2.89% | 0.00% |
| Q4 2025 | $135.3M | $117.7M | $109.1M | $12.4M | $675K | 0.51% | 2.75% | 0.00% |
| Q3 2025 | $135.0M | $117.6M | $107.8M | $12.2M | $526K | 0.53% | 2.67% | 0.00% |
| Q2 2025 | $131.4M | $116.5M | $106.4M | $11.6M | $355K | 0.54% | 2.65% | 0.11% |
| Q1 2025 | $133.3M | $118.5M | $106.5M | $11.5M | $166K | 0.50% | 2.52% | 0.11% |
| Q4 2024 | $131.2M | $116.9M | $102.1M | $11.1M | $193K | 0.15% | 2.32% | 0.11% |
| Q3 2024 | $130.3M | $115.9M | $102.2M | $11.2M | $132K | 0.14% | 2.31% | 0.12% |
Loan mix (Q2 2026): real estate $101.2M · commercial $4.4M · consumer $2.4M · securities $11.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.96% | 8th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 62.9% | 65th | |
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.
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