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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cambridge, MA · FDIC certificate #26567
NORTH CAMBRIDGE COOP BANK is an FDIC-insured institution based in Cambridge, MA (FDIC certificate #26567). In its Q3 2026 Call Report it reported total assets of $86M, total deposits of $59M and net loans of $45M. Its primary federal regulator is FDIC.
Plain-language readout
NORTH CAMBRIDGE COOP BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $87M in Q2 2026 and were lowest at $86M in Q3 2026.
Total deposits were highest at $60M in Q2 2026 and lowest at $59M in Q3 2026.
Over the whole period total assets fell 0.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $86M | $59M | $45M | -0.06% | -0.21% | 2.98% |
| Q2 2026 | $87M | $60M | $45M | 0.15% | 0.52% | 2.94% |
| Q1 2026 | $86M | $60M | $47M | -0.89% | -3.12% | 2.95% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $26.6M | $22.4M | +$4.2M | +18.6% |
| 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) | $9.9M | $11.9M | -$2.0M | -16.7% |
| Equity securities with readily determinable fair values, not held for trading | $5.5M | $4.9M | +$538K | +11.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $44.5M | $46.5M | -$2.0M | -4.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $118K | $127K | -$9K | -7.1% |
| 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 | $460K | $485K | -$25K | -5.2% |
| Total assets | $87.1M | $86.4M | +$684K | +0.8% |
| Liabilities | ||||
| Total deposits | $60.3M | $60.0M | +$256K | +0.4% |
| 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 | $1.5M | $1.6M | -$8K | -0.5% |
| Total liabilities | $61.8M | $61.6M | +$248K | +0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $23.7M | $23.5M | +$261K | +1.1% |
| Accumulated other comprehensive income | $1.5M | $1.3M | +$175K | +13.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.3M | $24.8M | +$436K | +1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $25.7M | $25.3M | +$461K | +1.8% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 64.52% | 63.29% | +1.23 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 64.52% | 63.29% | +1.23 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 65.77% | 64.54% | +1.23 pts | See points |
| Tier 1 leverage (approximate) | 29.10% | 28.49% | +0.61 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 12.06% | 12.32% | -0.26 pts | See points |
| Dividend payout, year to date | 0.00% | Not reported | Not reported | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.05% | 0.02% | -0.08 pts | See points |
| Liquidity | ||||
| Core deposits | $54.0M | $53.6M | +$457K | +0.9% |
| Non-core funding | $6.3M | $6.5M | -$201K | -3.1% |
| Loans to core deposits | 83.25% | 87.67% | -4.41 pts | See points |
| Loans to deposits | 74.62% | 78.24% | -3.62 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 | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $6.3M | $6.5M | -$201K | -3.1% |
| Earnings | ||||
| Earnings before provision, year to date | $52K | $37K | +$15K | +40.5% |
| Earnings before provision, single quarter | $15K | $37K | -$22K | -59.5% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 4.28% | 4.32% | -0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 3.69% | 3.61% | +0.08 pts | See points |
| Total interest income to average assets | 3.89% | 3.91% | -0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 0.03% | 0.03% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.08% | 0.06% | +0.02 pts | See points |
| Cost of time deposits | 3.50% | 3.54% | -0.05 pts | See points |
| Total interest expense to average assets | 0.95% | 0.96% | -0.01 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 | $86M | $59M | $45M | -0.06% | -0.21% | 2.98% |
| 2026-06-30 | $87M | $60M | $45M | 0.15% | 0.52% | 2.94% |
| 2026-03-31 | $86M | $60M | $47M | -0.89% | -3.12% | 2.95% |
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 | $59.1M | 0.01% | 116 | 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.