🏦Bank Scorer

THE PITTSFIELD CO-OPERATIVE BANK

PITTSFIELD, MA · Supervised by FDIC

Est. 1889FDIC #26,393RSSD: FDIC-26393
Satisfactory Same

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.13%

Institution Profile

FDIC BankFind

Address

70 South St, PITTSFIELD, MA

County

Berkshire County

Established

January 1, 1889

Total Assets

$445M(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, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$445M

Total Deposits

$323M

Net Loans

$331M

Net Income

$138K

ROA

0.13%

ROE

1.00%

Risk-Based Capital

19.85%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate12.15%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$314M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410771.03%12.15%
202313971.22%15.83%
202217682.39%9.09%
202119876.77%7.58%
202019778.68%5.08%
201915977.99%9.43%
201816776.65%5.99%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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