STOUGHTON CO-OPERATIVE BANK

STOUGHTON, MA · Supervised by FDIC

Est. 1886FDIC #26,513RSSD: FDIC-26513

Satisfactory Same

Current rating · Exam: December 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.68%

Is this bank safe?

STOUGHTON CO-OPERATIVE BANK holds a Satisfactory CRA rating (2012), meets basic financial requirements (ROA +0.68%).

Institution Profile

FDIC BankFind

Website

www.stoughtoncoop.bank

Address

950 Park St, STOUGHTON, MA

County

Norfolk County

Established

January 1, 1886

Total Assets

$134M(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

December 1, 2012

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 13 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

$134M

Total Deposits

$116M

Net Loans

$109M

Net Income

$228K

ROA

0.68%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.34%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA0.68%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate18.18%Peer avg: 6.90%▲ More than avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$116M

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	33	51.52%	18.18%
2023	26	65.38%	19.23%
2022	32	78.13%	6.25%
2021	108	77.78%	9.26%
2020	139	85.61%	8.63%
2019	61	93.44%	3.28%
2018	89	79.78%	11.24%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 2012	Satisfactory	Small Bank
Oct 2007	Satisfactory	Small Bank
Jul 2002	Satisfactory	Small Bank

3 previous ratings locked — 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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