Dean Co-operative Bank
Franklin, MA
IDRSSD: 271275
Total Assets
$489.21M
Latest filing
Total Deposits
$419.16M
Latest filing
Net Interest Margin
3.09%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Dean Co-operative Bank
21 Main St
Franklin, MA 02038
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1889FDIC Certificate 39405
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Dean Co-operative Bank (Main) | 21 Main St | Franklin, MA |
| PULASKI BRANCH | 411 Pulaski Blvd | Bellingham, MA |
| BLACKSTONE BRANCH | 8 Main St | Blackstone, MA |
| MENDON BRANCH | 32 Hastings St | Mendon, MA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1889 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 02038 |
| State and County Number | 25021 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 70 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 05/11/1988 |
| Primary Insurance Agency | DIF |
| Website | www.deanbank.com |
| Data Updated | 01/30/2026 |
| CERT | 27269 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $489.21M |
| Total Deposits | $419.16M |
| Total Liabilities | $456.52M |
| Total Equity Capital | $32.68M |
| Net Income | $434.00k |
| Net Loans and Leases | $343.72M |
| Assets Per Employee ($Millions) | $7.3M |
| Bank Premises and Fixed Assets | $5.69M |
| Cash and Balances due from Depository Institutions | $15.22M |
| Deposits Held in Domestic Offices | $419.16M |
Key Performance Ratios
| Return on Assets (ROA) | 0.36% |
| Return on Equity (ROE) | 5.39% |
| Net Interest Margin | 3.09% |
| Efficiency Ratio | 87.26% |
| Tier 1 Risk-Based Capital Ratio | 13.291% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.681% |
| Earning Assets to total Assets | 94.75% |
Income and Expense
| Total Interest Income | $5.23M |
| Total Noninterest Income | $832.00k |
| Total Interest Expense | $1.69M |
| Total Noninterest Expense | $3.81M |
| Net Interest Income | $3.54M |
| Pre-tax Net Operating Income | $557.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $32.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.86M |
| Total Liabilities and Capital | $489.21M |
Securities
| Securities | $108.08M |
| Available-for-sale debt securities | $104.84M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $2.59M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Dean Co-operative Bank?
$489.21M as of the latest filing.
How much are Dean Co-operative Bank's total deposits?
$419.16M in total deposits.
Where is Dean Co-operative Bank located?
Franklin, MA.
What is the Net Interest Margin?
3.09%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1889.
What is the Return on Assets (ROA)?
0.36%.
How much are total loans and leases?
$343.72M (latest filing).
What is the total interest income (latest filing)?
$5.23M.