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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Stoneham, MA · FDIC certificate #26559
STONEHAMBANK A COOP BANK is an FDIC-insured institution based in Stoneham, MA (FDIC certificate #26559). In its Q3 2026 Call Report it reported total assets of $914M, total deposits of $768M and net loans of $741M. Its primary federal regulator is FDIC.
Plain-language readout
STONEHAMBANK A COOP BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $918M in Q2 2026 and were lowest at $903M in Q1 2026.
Total deposits were highest at $773M in Q2 2026 and lowest at $750M in Q1 2026.
Over the whole period total assets rose 1.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $914M | $768M | $741M | 0.63% | 8.25% | 3.07% |
| Q2 2026 | $918M | $773M | $712M | 0.51% | 6.54% | 3.00% |
| Q1 2026 | $903M | $750M | $716M | 0.50% | 6.46% | 2.92% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $85.0M | $65.5M | +$19.5M | +29.8% |
| 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) | $94.4M | $94.2M | +$137K | +0.1% |
| Equity securities with readily determinable fair values, not held for trading | $2.5M | $2.4M | +$105K | +4.3% |
| Loans and leases held for sale | $692K | $1.3M | -$590K | -46.0% |
| Net loans and leases (after allowance) | $710.8M | $715.2M | -$4.4M | -0.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.3M | $8.0M | +$278K | +3.5% |
| 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) | $286K | $301K | -$15K | -5.0% |
| All other assets | $16.3M | $15.9M | +$355K | +2.2% |
| Total assets | $918.3M | $902.8M | +$15.4M | +1.7% |
| Liabilities | ||||
| Total deposits | $773.2M | $750.0M | +$23.2M | +3.1% |
| 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 | $70.3M | $80.3M | -$10.0M | -12.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.8M | $3.1M | +$678K | +21.7% |
| Total liabilities | $847.3M | $833.4M | +$13.9M | +1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $82.7M | $81.5M | +$1.2M | +1.4% |
| Accumulated other comprehensive income | -$11.7M | -$12.1M | +$400K | +3.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $71.0M | $69.4M | +$1.6M | +2.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.3M | $115K | +$2.2M | +1921.7% |
| Adjusted nonperforming assets | $2.3M | $115K | +$2.2M | +1921.7% |
| Tangible equity plus allowance | $78.0M | $76.2M | +$1.8M | +2.4% |
| Texas ratio (gross) | 2.98% | 0.15% | +2.83 pts | See points |
| Texas ratio (adjusted) | 2.98% | 0.15% | +2.83 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.59% | 0.33% | +3.26 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.51% | 12.47% | +0.05 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.51% | 12.47% | +0.05 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.19% | 1.12% | +0.07 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.71% | 13.59% | +0.12 pts | See points |
| Tier 1 leverage (approximate) | 8.94% | 8.99% | -0.05 pts | See points |
| Construction and land loans to total capital | 82.89% | 73.30% | +9.60 pts | See points |
| Commercial real estate to total capital | 266.55% | 272.74% | -6.19 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 | -18.40% | -19.04% | +0.63 pts | See points |
| Liquidity | ||||
| Core deposits | $612.4M | $600.3M | +$12.1M | +2.0% |
| Non-core funding | $231.1M | $230.0M | +$1.1M | +0.5% |
| Loans to core deposits | 117.27% | 120.32% | -3.06 pts | See points |
| Loans to deposits | 92.88% | 96.30% | -3.42 pts | See points |
| Brokered deposits share of deposits | 5.92% | 6.10% | -0.18 pts | See points |
| Pledged securities share of securities | 84.05% | 85.90% | -1.85 pts | See points |
| Loans pledged, share of loans | 59.51% | 51.54% | +7.97 pts | See points |
| Volatile liabilities | $238.1M | $238.0M | +$84K | +0.0% |
| Earnings | ||||
| Earnings before provision, year to date | $3.4M | $1.6M | +$1.8M | +112.4% |
| Earnings before provision, single quarter | $1.8M | $1.6M | +$201K | +12.4% |
| Provision for credit losses, year to date | $694K | $158K | +$536K | +339.2% |
| Yield and cost | ||||
| Yield on loans and leases | 5.69% | 5.53% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 3.37% | 3.34% | +0.03 pts | See points |
| Total interest income to average assets | 5.07% | 4.94% | +0.12 pts | See points |
| Cost of interest-bearing transaction accounts | 0.04% | 0.07% | -0.04 pts | See points |
| Cost of savings and money market deposits | 1.33% | 1.25% | +0.08 pts | See points |
| Cost of time deposits | 3.69% | 3.79% | -0.10 pts | See points |
| Total interest expense to average assets | 2.13% | 2.15% | -0.02 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 | $914M | $768M | $741M | 0.63% | 8.25% | 3.07% |
| 2026-06-30 | $918M | $773M | $712M | 0.51% | 6.54% | 3.00% |
| 2026-03-31 | $903M | $750M | $716M | 0.50% | 6.46% | 2.92% |
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 | $715.6M | 0.12% | 66 | 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.