The Pittsfield Co-operative Bank
Total assets
$451.5M
▲ +6.8% YoY
Deposits
$327.7M
▲ +4.4% YoY
Loans
$343.9M
▲ +19.8% YoY
Offices
5
ROA (annualized)
0.20%
peers 1.24%
ROE (annualized)
1.59%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +4.4% | +4.0% | +0.4 pts |
| Loan growth (YoY) | +19.8% | +5.6% | +14.2 pts |
| ROA | 0.20% | 1.24% | -1.0 pts |
| ROE | 1.6% | 11.9% | -10.3 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
Profile
- Established
- 1889
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 70 South St, Pittsfield, MA, 01201
- County
- Berkshire
- Metro area
- Pittsfield, MA
- Offices
- 5
- FDIC cert #
- 26393
- RSSD ID
- 1000276
- 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 | $451.5M | $327.7M | $343.9M | $55.6M | $441K | 0.20% | 3.13% | 0.28% |
| Q1 2026 | $444.7M | $323.2M | $330.7M | $55.3M | $138K | 0.13% | 3.12% | 0.26% |
| Q4 2025 | $432.0M | $314.2M | $319.3M | $55.3M | $-1.3M | -0.31% | 2.95% | 0.26% |
| Q3 2025 | $414.7M | $308.7M | $300.9M | $55.6M | $-24K | -0.01% | 2.87% | 0.36% |
| Q2 2025 | $422.9M | $314.0M | $287.1M | $55.0M | $192K | 0.09% | 2.83% | 0.33% |
| Q1 2025 | $404.2M | $299.4M | $275.1M | $54.5M | $62K | 0.06% | 2.81% | 0.29% |
| Q4 2024 | $395.9M | $300.5M | $270.7M | $53.5M | $199K | 0.05% | 2.73% | 0.39% |
| Q3 2024 | $404.4M | $297.3M | $267.4M | $55.3M | $141K | 0.05% | 2.73% | 0.39% |
Loan mix (Q2 2026): real estate $308.4M · commercial $33.6M · consumer $2.9M · securities $67.4M
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 | 0.20% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.96% | 14th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.6% | 62.9% | 96th | |
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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