Total Assets
$1.2B
Total Deposits
$1.0B
Branches
13
Established
1886
Reading Co-operative Bank is a bank headquartered in Reading, Massachusetts, established in 1886. It holds $1.2B in total assets across 13 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Reading Co-operative Bank earns a TFS Financial Health Grade of C- (62.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
62.3 / 100
Average 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 |
|---|---|---|---|---|
| Reading Co-operative BankHQ | 180 Haven St | Reading | MA | 11 |
| Reading Co-operative Bank | 18-20 Central St | Andover | MA | 11 |
| Reading Co-operative Bank | 10 Wall St | Burlington | MA | 11 |
| Reading Co-operative Bank | 215 Canal St | Lawrence | MA | 11 |
| Reading Co-operative Bank | 400 Broadway | Lynn | MA | 11 |
| Reading Co-operative Bank | 596 Main St | Lynnfield | MA | 11 |
| Reading Co-operative Bank | 526 Main St | Melrose | MA | 11 |
| Reading Co-operative Bank | 28 Nahant Rd | Nahant | MA | 11 |
| Reading Co-operative Bank | 170 Park St | North Reading | MA | 11 |
| Reading Co-operative Bank | 62 Oakland Rd | Reading | MA | 11 |
| Reading Co-operative Bank | 342 Main St | Wakefield | MA | 11 |
| Reading Co-operative Bank | 100 Hemlock Rd | Wakefield | MA | 12 |
| Reading Co-operative Bank | 352 Middlesex Ave | Wilmington | 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
62.3
Tier 1 capital ratio
7.35%
Return on assets
0.42%
Non-performing loans
0.06%
Efficiency ratio
80.79%
Asset growth (YoY)
-2.07%
Suggested direct comparisons
Rockland, MA
$25.0B
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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.