First Financial Trust NA vs North Cambridge Coop Bank
Side-by-side bank health comparison using FDIC financial data
First Financial Trust NA (A) and North Cambridge Coop Bank (A) are close on the BankHealth rubric. Asset bases: $16M versus $83M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
First Financial Trust NA has a stronger Bank Health Score of 100/100 (A) compared to North Cambridge Coop Bank at 96/100 (A), a difference of 4 points. First Financial Trust NA holds a Tier 1 capital ratio of 88.4% and an NPL ratio of 0.00%.
| Metric | First Financial Trust NA | North Cambridge Coop Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 96/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 88.4%* | 59.8% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 72.3%* | 39.7% |
| Return on Assets Profitability metric (above 1% is strong) | 10.6%* | 0.9% |
| Total Assets | $16M | $83M |
| Total Deposits | $0 | $59M |
| Location | Wakefield, Massachusetts | Cambridge, Massachusetts |
First Financial Trust NA has a stronger Bank Health Score of 100/100 (A) compared to North Cambridge Coop Bank at 96/100 (A), a difference of 4 points. First Financial Trust NA holds a Tier 1 capital ratio of 88.4% and an NPL ratio of 0.00%.