🏦Bank Scorer

READING CO-OPERATIVE BANK

READING, MA · Supervised by FDIC

Est. 1886FDIC #26,620RSSD: FDIC-26620
Satisfactory Same

Current rating · Exam: October 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.42%

Institution Profile

FDIC BankFind

Address

180 Haven St, READING, MA

County

Middlesex County

Established

January 1, 1886

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2006

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 19 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$942M

Net Income

$1M

ROA

0.42%

ROE

6.81%

Risk-Based Capital

11.33%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate8.73%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

13

Branch Deposits

$1.1B

1-Year Change

+2

5-year net change: +5 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412660.32%8.73%
202327572.73%8.00%
202235276.42%3.98%
202131279.81%2.88%
202033868.93%2.66%
201923372.53%4.72%
201823063.48%6.09%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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