D
Reading Co-Operative Bank
Reading,  MA
Rating Date
October 2025
Risk Based
Capital Ratio
11.23
Leverage
Ratio
6.84
Return On
Assets
0.54%
Total
Assets
1.20B
Capital
71.82M
Total
Deposits
1.06B
Net
Income
4.37M
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Weiss Ratings Reading Co-Operative Bank
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Rating D
Asset Quality Index 6.70
Capitalization Index 4.80
Liquidity Index 0.80
Profitability Index 2.80
Stability Index 3.70
Company Info Reading Co-Operative Bank
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FDIC Number 26620
Phone Number (781) 942-5000
Website readingcoop.com
Asset Quality Reading Co-Operative Bank
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1-Year Asset Growth 29.97%
5-Year Asset Growth 11.15%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.52%
Non-Performing Loans to Capital 7.32%
Non-Performing Loans to Loans 0.66%
Balance Sheet Reading Co-Operative Bank
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Total Assets 1.20B
Total Deposits 1.06B
Capital and Reserves Reading Co-Operative Bank
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Capital 71.82M
Leverage Ratio 6.84
Loan Loss Reserves to Loans 0.61%
Risk-Based Capital Ratio 11.23
Liquidity Reading Co-Operative Bank
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Hot Money Ratio 21.63%
Liquidity Ratio 4.10%
Profitability Reading Co-Operative Bank
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5-Year Return on Average Assets 0.52%
Net Income 4.37M
Net Interest Spread 2.98%
Operating Profit to Average Assets 0.60%
Overhead Efficiency Ratio 78.72%
Return on Assets 0.54%
Return on Equity 9.41%