Total Assets
$1.3B
Total Deposits
$1.1B
Branches
13
Established
1888
Fidelity Co-operative Bank is a bank headquartered in Leominster, Massachusetts, established in 1888. It holds $1.3B in total assets across 13 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Fidelity Co-operative Bank earns a TFS Financial Health Grade of F (48.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
48.3 / 100
Poor financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Fidelity Co-operative BankHQ | 9 Leominster Connector | Leominster | MA | 11 |
| Fidelity Co-operative Bank | 56 Common St | Barre | MA | 11 |
| Fidelity Co-operative Bank | 130 Whalon St | Fitchburg | MA | 11 |
| Fidelity Co-operative Bank | 6 City Hall Ave | Gardner | MA | 11 |
| Fidelity Co-operative Bank | 75 Main St | Leominster | MA | 11 |
| Fidelity Co-operative Bank | 16 S Main St | Millbury | MA | 11 |
| Fidelity Co-operative Bank | 129 Chestnut St | Needham | MA | 11 |
| Fidelity Co-operative Bank | 713 Pleasant St | Paxton | MA | 11 |
| Fidelity Co-operative Bank | 206 Worcester Rd | Princeton | MA | 11 |
| Fidelity Co-operative Bank | 21 Main St | Shirley | MA | 11 |
| Fidelity Co-operative Bank | 1 School Sq | Winchendon | MA | 11 |
| Fidelity Co-operative Bank | 465 Shrewsbury St | Worcester | MA | 11 |
| Fidelity Co-operative Bank | 153 Front St | Worcester | MA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
48.3
Tier 1 capital ratio
9.86%
Return on assets
0.80%
Non-performing loans
4.44%
Efficiency ratio
68.63%
Asset growth (YoY)
-17.06%
Suggested direct comparisons
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$28.6B
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.