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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Walpole, MA · FDIC certificate #26487
WALPOLE COOP BANK is an FDIC-insured institution based in Walpole, MA (FDIC certificate #26487). In its Q3 2026 Call Report it reported total assets of $655M, total deposits of $512M and net loans of $554M. Its primary federal regulator is FED.
Plain-language readout
WALPOLE COOP BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $655M in Q3 2026 and were lowest at $646M in Q2 2026.
Total deposits were highest at $513M in Q1 2026 and lowest at $509M in Q2 2026.
Over the whole period total assets rose 0.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $655M | $512M | $554M | 1.14% | 6.06% | 3.90% |
| Q2 2026 | $646M | $509M | $549M | 1.13% | 6.02% | 3.82% |
| Q1 2026 | $649M | $513M | $541M | 1.08% | 5.77% | 3.73% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $11.5M | $23.1M | -$11.6M | -50.2% |
| 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) | $69.1M | $69.4M | -$243K | -0.4% |
| 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) | $549.3M | $540.7M | +$8.6M | +1.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.2M | $6.3M | -$120K | -1.9% |
| 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 | $10.4M | $10.0M | +$422K | +4.2% |
| Total assets | $646.5M | $649.4M | -$2.9M | -0.5% |
| Liabilities | ||||
| Total deposits | $509.2M | $512.7M | -$3.5M | -0.7% |
| 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 | $11.8M | $12.0M | -$168K | -1.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.8M | $3.6M | -$810K | -22.5% |
| Total liabilities | $523.8M | $528.3M | -$4.5M | -0.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $121.8M | $119.9M | +$1.9M | +1.6% |
| Accumulated other comprehensive income | $893K | $1.2M | -$355K | -28.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $122.7M | $121.1M | +$1.6M | +1.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $631K | $2.0M | -$1.4M | -68.9% |
| Adjusted nonperforming assets | $631K | $2.0M | -$1.4M | -68.9% |
| Tangible equity plus allowance | $129.9M | $128.1M | +$1.8M | +1.4% |
| Texas ratio (gross) | 0.49% | 1.59% | -1.10 pts | See points |
| Texas ratio (adjusted) | 0.49% | 1.59% | -1.10 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.49% | 1.59% | -1.10 pts | 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) | 18.82% | 18.62% | +0.20 pts | See points |
| Construction and land loans to total capital | 78.17% | 78.89% | -0.72 pts | See points |
| Commercial real estate to total capital | 277.48% | 276.74% | +0.74 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 | -0.51% | -0.13% | -0.37 pts | See points |
| Liquidity | ||||
| Core deposits | $347.5M | $353.9M | -$6.4M | -1.8% |
| Non-core funding | $173.5M | $170.8M | +$2.7M | +1.6% |
| Loans to core deposits | 160.11% | 154.75% | +5.36 pts | See points |
| Loans to deposits | 109.28% | 106.82% | +2.46 pts | See points |
| Brokered deposits share of deposits | 4.91% | 4.87% | +0.03 pts | See points |
| Pledged securities share of securities | 5.73% | 5.73% | +0.00 pts | See points |
| Loans pledged, share of loans | 34.91% | 36.83% | -1.92 pts | See points |
| Volatile liabilities | $173.5M | $170.8M | +$2.7M | +1.6% |
| Earnings | ||||
| Earnings before provision, year to date | $5.1M | $2.5M | +$2.7M | +109.6% |
| Earnings before provision, single quarter | $2.7M | $2.5M | +$235K | +9.6% |
| Provision for credit losses, year to date | $90K | $45K | +$45K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.20% | 6.07% | +0.14 pts | See points |
| Yield on interest-bearing balances due from banks | 3.34% | 3.43% | -0.09 pts | See points |
| Total interest income to average assets | 5.87% | 5.71% | +0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 0.33% | 0.33% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.90% | 0.91% | -0.01 pts | See points |
| Cost of time deposits | 3.85% | 3.90% | -0.05 pts | See points |
| Total interest expense to average assets | 2.07% | 2.09% | -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 | $655M | $512M | $554M | 1.14% | 6.06% | 3.90% |
| 2026-06-30 | $646M | $509M | $549M | 1.13% | 6.02% | 3.82% |
| 2026-03-31 | $649M | $513M | $541M | 1.08% | 5.77% | 3.73% |
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 | $497.8M | 0.08% | 80 | 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.