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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Methuen, MA · FDIC certificate #26512
METHUEN COOP BANK is an FDIC-insured institution based in Methuen, MA (FDIC certificate #26512). In its Q3 2026 Call Report it reported total assets of $143M, total deposits of $129M and net loans of $106M. Its primary federal regulator is FDIC.
Plain-language readout
METHUEN COOP BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $143M in Q3 2026 and were lowest at $141M in Q2 2026.
Total deposits were highest at $130M in Q1 2026 and lowest at $128M in Q2 2026.
Over the whole period total assets rose 0.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $143M | $129M | $106M | 0.51% | 5.42% | 3.18% |
| Q2 2026 | $141M | $128M | $107M | 0.45% | 4.85% | 3.13% |
| Q1 2026 | $143M | $130M | $104M | 0.32% | 3.46% | 3.03% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $12.0M | $14.9M | -$2.9M | -19.2% |
| Federal funds sold | $3.6M | $5.9M | -$2.2M | -38.3% |
| 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) | $16.4M | $15.8M | +$577K | +3.6% |
| 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) | $106.9M | $104.4M | +$2.6M | +2.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.5M | $1.5M | -$24K | -1.6% |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $833K | $863K | -$30K | -3.5% |
| Total assets | $141.3M | $143.3M | -$2.0M | -1.4% |
| Liabilities | ||||
| Total deposits | $127.6M | $129.7M | -$2.1M | -1.7% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $387K | $478K | -$91K | -19.0% |
| Total liabilities | $127.9M | $130.2M | -$2.2M | -1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $13.3M | $13.1M | +$206K | +1.6% |
| Retained earnings | $0K | $0K | $0K | n/a |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $13.3M | $13.1M | +$206K | +1.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.1M | $1.1M | -$9K | -0.8% |
| Adjusted nonperforming assets | $1.1M | $1.1M | -$9K | -0.8% |
| Tangible equity plus allowance | $13.7M | $13.5M | +$190K | +1.4% |
| Texas ratio (gross) | 8.21% | 8.40% | -0.18 pts | See points |
| Texas ratio (adjusted) | 8.21% | 8.40% | -0.18 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.33% | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.36% | 9.29% | +0.07 pts | See points |
| Construction and land loans to total capital | 36.00% | 25.23% | +10.76 pts | See points |
| Commercial real estate to total capital | 91.47% | 81.19% | +10.28 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 | -3.67% | -3.56% | -0.11 pts | See points |
| Liquidity | ||||
| Core deposits | $101.7M | $104.9M | -$3.2M | -3.0% |
| Non-core funding | $25.8M | $24.8M | +$1.0M | +4.1% |
| Loans to core deposits | 105.47% | 99.86% | +5.60 pts | See points |
| Loans to deposits | 84.11% | 80.76% | +3.35 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 51.77% | 53.08% | -1.31 pts | See points |
| Volatile liabilities | $25.8M | $24.8M | +$1.0M | +4.1% |
| Earnings | ||||
| Earnings before provision, year to date | $416K | $152K | +$264K | +173.7% |
| Earnings before provision, single quarter | $264K | $152K | +$112K | +73.7% |
| Provision for credit losses, year to date | -$20K | -$1K | -$19K | -1900.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.06% | 4.96% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.44% | 3.36% | +0.07 pts | See points |
| Total interest income to average assets | 4.59% | 4.48% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.09% | 0.06% | +0.03 pts | See points |
| Cost of savings and money market deposits | 0.22% | 0.23% | -0.00 pts | See points |
| Cost of time deposits | 3.51% | 3.67% | -0.15 pts | See points |
| Total interest expense to average assets | 1.44% | 1.52% | -0.07 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 | $143M | $129M | $106M | 0.51% | 5.42% | 3.18% |
| 2026-06-30 | $141M | $128M | $107M | 0.45% | 4.85% | 3.13% |
| 2026-03-31 | $143M | $130M | $104M | 0.32% | 3.46% | 3.03% |
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 | $125.9M | 0.02% | 107 | 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.