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Stonehambank, A Co-Operative Bank
Stoneham, MA · FDIC Certificate #26559 · Chartered 01/0
Total assets
$918.26M
Total deposits
$773.16M
Total equity
$71.00M
Net loans
$711.52M
Branches (offices)
2
Net income (YTD)
$2.28M
Rank: #1,122 of 4,213 U.S. banks by assets · #51 of 89 in Massachusetts. Assets changed 7.7% and deposits 8.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.51% |
| Return on equity | 6.54% |
| Net interest margin (YTD) | 3.00% |
| Equity to assets | 7.73% |
| Tier 1 leverage ratio | 8.94% |
| Uninsured deposits (share of deposits) | 26.7% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 92.0% |
| Real estate loans (share of loans) | 88.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $627.37M | 88.2% | |
| Commercial & industrial | $79.42M | 11.2% | |
| Consumer / individual | $11.62M | 1.6% | |
| Construction & development | $75.07M | 10.6% | |
| Agricultural | $370.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $714.57M | $574.91M | $895.00K | $58.21M |
| Jun 2023 | $769.79M | $605.50M | $1.64M | $58.99M |
| Jun 2024 | $822.29M | $660.73M | $833.00K | $60.29M |
| Jun 2025 | $852.86M | $715.58M | $451.00K | $63.90M |
| Jun 2026 | $918.26M | $773.16M | $2.28M | $71.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $773.16M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $773.16M.
Similar-sized banks
First Northern Bank And Trust Company ($921.49M) · The Juniata Valley Bank ($917.86M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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