BlastPoint's Banking Scorecard
Reading Co-operative Bank
Community
Specialty: Commercial
MA
FDIC cert 26620
Designations: ✓ Mutual
Reading, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Reading Co-operative Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 11% in Community
- - Efficiency Drag: Bottom 54% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+33.6% YoY
+3.7% QoQ
|
-$148.7M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$935.0M
+28.2% YoY
-1.5% QoQ
|
-$40.5M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$1.1B
+60.9% YoY
+5.6% QoQ
|
-$50.5M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
0.52%
+146.5% YoY
-4.3% QoQ
|
-0.64% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.16%
+21.4% YoY
+1.2% QoQ
|
-0.51% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
80.26%
-7.6% YoY
+2.0% QoQ
|
+17.63% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
1.06%
+439.3% YoY
+59.5% QoQ
|
+0.43% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
83.93%
-20.4% YoY
-6.7% QoQ
|
+0.86% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
16.94%
-24.9% YoY
-6.0% QoQ
|
-4.11% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.79%
+417.6% YoY
+51.6% QoQ
|
+0.30% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
10.00%
-12.7% YoY
-4.2% QoQ
|
-0.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.26%
+6.0% YoY
+20.4% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
NIB Deposit Bleed
decline
#11 of 89 · Bottom 11% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
16.94%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#82 of 152 · Bottom 54% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
80.26%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
65
65th pctile
Total Loans
Current: $935.0M · Tier avg: $975.5M
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
61
61th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
53
53th pctile
Loan-to-Deposit Ratio
Current: 83.93% · Tier avg: 83.06%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.94% · Tier avg: 21.05%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.00% · Tier avg: 10.24%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
24
24th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.63%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
12
12th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.16%
10
10th pctile
Efficiency Ratio
Current: 80.26% · Tier avg: 62.63%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 80.26% · Tier avg: 62.63%
12
12th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.16%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
24
24th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.63%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.00% · Tier avg: 10.24%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.94% · Tier avg: 21.05%
53
53th pctile
Loan-to-Deposit Ratio
Current: 83.93% · Tier avg: 83.06%
61
61th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
65
65th pctile
Total Loans
Current: $935.0M · Tier avg: $975.5M