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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Canton, MA · FDIC certificate #26450
CANTON COOP BANK is an FDIC-insured institution based in Canton, MA (FDIC certificate #26450). In its Q3 2026 Call Report it reported total assets of $156M, total deposits of $129M and net loans of $112M. Its primary federal regulator is FED.
Plain-language readout
CANTON COOP BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $156M in Q3 2026 and were lowest at $154M in Q1 2026.
Total deposits were highest at $129M in Q3 2026 and lowest at $127M in Q1 2026.
Over the whole period total assets rose 1.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $156M | $129M | $112M | 0.45% | 3.31% | 3.14% |
| Q2 2026 | $155M | $127M | $107M | 0.41% | 3.01% | 3.08% |
| Q1 2026 | $154M | $127M | $104M | 0.28% | 2.09% | 2.90% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.8M | $11.7M | -$1.9M | -16.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $31.9M | $32.7M | -$798K | -2.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $107.4M | $103.6M | +$3.7M | +3.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $828K | $842K | -$14K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $26K | $27K | -$1K | -3.7% |
| All other assets | $4.8M | $4.8M | +$4K | +0.1% |
| Total assets | $154.8M | $153.8M | +$1.0M | +0.7% |
| Liabilities | ||||
| Total deposits | $127.2M | $126.6M | +$629K | +0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.5M | $5.5M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $608K | $521K | +$87K | +16.7% |
| Total liabilities | $133.3M | $132.6M | +$716K | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $23.5M | $23.3M | +$210K | +0.9% |
| Accumulated other comprehensive income | -$2.0M | -$2.1M | +$110K | +5.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $21.5M | $21.2M | +$320K | +1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $70K | $70K | $0K | 0.0% |
| Adjusted nonperforming assets | $70K | $70K | $0K | 0.0% |
| Tangible equity plus allowance | $22.2M | $21.9M | +$346K | +1.6% |
| Texas ratio (gross) | 0.32% | 0.32% | -0.00 pts | See points |
| Texas ratio (adjusted) | 0.32% | 0.32% | -0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.32% | 0.32% | -0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 22.29% | 22.59% | -0.29 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 22.29% | 22.59% | -0.29 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.66% | 0.63% | +0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 22.96% | 23.22% | -0.26 pts | See points |
| Tier 1 leverage (approximate) | 15.25% | 15.04% | +0.22 pts | See points |
| Construction and land loans to total capital | 33.04% | 30.06% | +2.98 pts | See points |
| Commercial real estate to total capital | 50.72% | 46.89% | +3.83 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -11.64% | -12.35% | +0.70 pts | See points |
| Liquidity | ||||
| Core deposits | $96.8M | $95.0M | +$1.8M | +1.9% |
| Non-core funding | $35.9M | $37.0M | -$1.2M | -3.2% |
| Loans to core deposits | 111.62% | 109.79% | +1.83 pts | See points |
| Loans to deposits | 84.98% | 82.43% | +2.55 pts | See points |
| Brokered deposits share of deposits | 11.09% | 11.18% | -0.10 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 28.02% | 31.03% | -3.01 pts | See points |
| Volatile liabilities | $35.9M | $37.0M | -$1.2M | -3.2% |
| Earnings | ||||
| Earnings before provision, year to date | $441K | $145K | +$296K | +204.1% |
| Earnings before provision, single quarter | $296K | $145K | +$151K | +104.1% |
| Provision for credit losses, year to date | $30K | $5K | +$25K | +500.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.64% | 5.63% | +0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 3.63% | 3.66% | -0.03 pts | See points |
| Total interest income to average assets | 4.73% | 4.60% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.07% | 0.06% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.76% | 0.37% | +0.39 pts | See points |
| Cost of time deposits | 3.42% | 3.80% | -0.38 pts | See points |
| Total interest expense to average assets | 1.64% | 1.87% | -0.23 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $156M | $129M | $112M | 0.45% | 3.31% | 3.14% |
| 2026-06-30 | $155M | $127M | $107M | 0.41% | 3.01% | 3.08% |
| 2026-03-31 | $154M | $127M | $104M | 0.28% | 2.09% | 2.90% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MA | $134.7M | 0.02% | 105 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.