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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Stonehambank A Coop Bank

Stoneham, Massachusetts · $918M in assets · beside the 11 other Massachusetts banks between $300M and $1B

The filing

7.7%
Equity / assets
12th of 12
93.0%
Loans / deposits
8th of 12
3.1x
Coverage of noncurrent
5th of 12

Stonehambank A Coop Bank is the third largest of the 12 Massachusetts banks nearest its size between $300M and $1B, with $918M in assets at 30 June 2026. Loans are 93.0% of deposits, 8th of 12 against a median of 89.5%, and equity is 7.7% of assets, the lowest in the cohort. Loans grew +4.8% in the year, 7th of 12, and deposits grew 8.0%; the cohort's median loan growth is +5.4%.

Noncurrent loans are 0.32% of the book, 6th of 12 against a median of 0.38%; 0.07% is 30 to 89 days past due, and the allowance covers them 3.1 times. Commercial real estate is 33.6% of loans, 6th of 12 against a median of 34.8%, and 267% of capital, below the 300% screen, with construction at 83% against the 100% screen.

Return on assets is 0.49%, 7th of 12 against a median of 0.50%, on an efficiency ratio of 75.7%, 6th of 12. Five years ago it was 0.57%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsMA banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 10.1% Bo Bank of Canton 14.6% MC Mechanics Coop Bank 13.2% WC Winchester Coop Bank 11.6% CH Coastal Heritage Bank 11.0% GC Greenfield Coop Bank 10.9% SC Savers Coop Bank 10.4% EB Eagle Bank 9.9% MS Monson Savings Bank 9.4% SB Savings Bank 9.4% RB Rollstone Bank & Trust 8.6% CS Clinton Savings Bank 8.0% SA Stonehambank A Coop Bank 7.7%
Loans, year over yearMA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.4% EB Eagle Bank +14.6% GC Greenfield Coop Bank +7.9% MS Monson Savings Bank +7.3% MC Mechanics Coop Bank +7.0% WC Winchester Coop Bank +6.8% SB Savings Bank +6.0% SA Stonehambank A Coop Bank +4.8% Bo Bank of Canton +2.6% SC Savers Coop Bank -0.5% CS Clinton Savings Bank -2.5% CH Coastal Heritage Bank -3.3% RB Rollstone Bank & Trust -12.9%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 7 CBLR filers; owner-occupied excluded; bold marks a screen met
Stonehambank A Coop BankRankCohort median
Total CRE against capital, the 300% screen267%7th of 12245%
Construction against capital, the 100% screen83%11th of 1250%
Construction and land development, share of loans10.4%11th of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans16.7%7th of 1216.1%
Total CRE, the guidance definition, share of loans33.6%6th of 1234.8%
CRE growth over 36 months, the third prong+14.0%5th of 12+17.8%
Commercial real estate against capital, the 300% screenMA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 245% WC Winchester Coop Bank 78% GC Greenfield Coop Bank 105% CH Coastal Heritage Bank 176% CS Clinton Savings Bank 186% Bo Bank of Canton 190% SB Savings Bank 223% SA Stonehambank A Coop Bank 267% MS Monson Savings Bank 292% MC Mechanics Coop Bank 314% SC Savers Coop Bank 329% EB Eagle Bank 330% RB Rollstone Bank & Trust 341%
CRE growth over 36 months, the guidance's third prongMA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +17.8% Bo Bank of Canton -18.6% RB Rollstone Bank & Trust -18.6% CS Clinton Savings Bank -3.4% CH Coastal Heritage Bank +11.3% SA Stonehambank A Coop Bank +14.0% WC Winchester Coop Bank +17.0% SB Savings Bank +18.6% SC Savers Coop Bank +20.0% MS Monson Savings Bank +23.0% GC Greenfield Coop Bank +44.3% EB Eagle Bank +64.1% MC Mechanics Coop Bank +83.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Coastal Heritage Bank$984M0.4%83.1%0.60%0.00%1.1%95.6%11.0%
Winchester Coop Bank$947M0.6%66.1%0.43%0.00%0.4%89.9%11.6%
Stonehambank A Coop Bank$918M0.5%75.7%0.32%0.00%1.0%93.0%7.7%
Greenfield Coop Bank$902M0.6%76.8%0.72%0.00%1.0%69.7%10.9%
Mechanics Coop Bank$899M1.2%61.5%0.03%0.00%0.9%109.8%13.2%
Savings Bank$891M0.4%94.4%0.17%0.00%0.8%84.2%9.4%
Rollstone Bank & Trust$816M0.1%99.1%0.20%0.00%0.9%85.4%8.6%
Monson Savings Bank$806M0.9%66.4%0.23%0.01%0.7%88.4%9.4%
Savers Coop Bank$783M0.7%70.9%3.64%0.04%1.4%108.9%10.4%
Bank of Canton$783M0.5%73.9%0.90%-0.01%1.3%81.4%14.6%
Clinton Savings Bank$745M0.3%93.2%0.50%0.66%1.2%89.1%8.0%
Eagle Bank$709M0.3%84.1%0.04%0.00%0.9%95.0%9.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Stonehambank A Coop BankCohort median
20212026Change20212026Change
Loans$493M$719M+46%$482M$625M+30%
Deposits$554M$773M+40%$580M$701M+21%
NPA / loans2.03%0.32%-1.71 pts0.41%0.38%-0.04 pts
Efficiency86.7%75.7%-10.9 pts75.1%76.2%+1.2 pts
ROA0.57%0.49%-0.08 pts0.66%0.50%-0.16 pts

This read was prepared for Stonehambank A Coop Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Stonehambank A Coop Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $300M to $1B
Institution stonehambank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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