Coop Bank
Roslindale, Massachusetts · FDIC Cert #26922
Coop Bank is an FDIC-insured bank (Certificate #26922) with $574M in total assets and $459M in total deposits as of the Q2 2024 Call Report. Headquartered in Roslindale, Massachusetts, the bank maintains a Tier 1 capital ratio of 11.95% (Well-Capitalized) and a nonperforming loan ratio of 0.82%. BankHealthData assigns a composite Health Grade of C (59/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Coop Bank (FDIC cert 26922) is a community bank — $574M in total assets, $459M in deposits, serving the Roslindale, Massachusetts area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.95% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.82% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 10.5% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is minimal: ROA of 0.00% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Coop Bank carries a composite BankHealth grade of C (59/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Coop Bank
- Total Assets
- $574M
- Total Deposits
- $459M
- Tier 1 Capital Ratio
- 11.95%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.82%
- Liquidity Ratio
- 10.51%
- Return on Assets
- 0.00%
- Headquarters
- Roslindale, Massachusetts
- FDIC Certificate
- #26922
- Health Grade
- C (59/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Coop Bank holds a Tier 1 capital ratio of 11.95%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Coop Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Coop Bank shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Coop Bank Compares
Coop Bank’s Health Score of 59 is 9 points below the Massachusetts state average of 68 across 97 FDIC-insured banks. Its 11.95% Tier 1 capital ratio is 2.0 points below the US banking industry average near 14%. The 0.82% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.00% is below the national ROA benchmark of ~1.1%. Among 1396 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Coop Bank is 11 points below the portfolio average of 70.
Frequently Asked Questions
Coop Bank has a Bank Health Score of C (59/100), placing it in average financial health. It holds a Tier 1 capital ratio of 11.95%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Coop Bank's Tier 1 capital ratio of 11.95% and nonperforming loan ratio of 0.82% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Coop Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #26922). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Coop Bank holds $574M in total assets and $459M in total deposits. It is headquartered in Roslindale, Massachusetts (FDIC Certificate #26922).
Coop Bank has a Tier 1 capital ratio of 11.95%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.82%, and the return on assets is 0.00%.
Yes. Coop Bank is FDIC-insured (Certificate #26922). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Coop Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.