Fidelity Co-operative Bank
Leominster, MA
IDRSSD: 933377
Total Assets
$1.44B
Latest filing
Total Deposits
$1.25B
Latest filing
Net Interest Margin
4.15%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Fidelity Co-operative Bank
9 Leominster Connector
Leominster, MA 01453
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1888FDIC Certificate 33099
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Fidelity Co-operative Bank (Main) | 9 Leominster Connector | Leominster, MA |
| BARRE BRANCH | 56 Common St | Barre, MA |
| MILLBURY BRANCH | 16 S Main St | Millbury, MA |
| WINCHENDON BRANCH | 1 School Sq | Winchendon, MA |
| LEOMINSTER BRANCH | 75 Main St | Leominster, MA |
| NEEDHAM BRANCH | 129 Chestnut St | Needham, MA |
| PAXTON BRANCH | 713 Pleasant St | Paxton, MA |
| PRINCETON BRANCH | 206 Worcester Rd | Princeton, MA |
Showing 7 of 12
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 | 01/01/1888 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01453 |
| State and County Number | 25027 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Worcester, MA-CT |
Operational Info
| Number of Employees | 179 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/01/2025 |
| Date of Deposit Insurance | 12/06/1985 |
| Primary Insurance Agency | DIF |
| Website | www.fidelitybankonline.com |
| Data Updated | 11/14/2025 |
| CERT | 26451 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.44B |
| Total Deposits | $1.25B |
| Total Liabilities | $1.27B |
| Total Equity Capital | $165.93M |
| Net Income | $-10,071,000 |
| Net Loans and Leases | $1.06B |
| Assets Per Employee ($Millions) | $12.21M |
| Bank Premises and Fixed Assets | $17.01M |
| Cash and Balances due from Depository Institutions | $44.88M |
| Deposits Held in Domestic Offices | $1.25B |
Key Performance Ratios
| Return on Assets (ROA) | -2.67% |
| Return on Equity (ROE) | -23.41% |
| Net Interest Margin | 4.15% |
| Efficiency Ratio | 60.58% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 5.56% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.52% |
| Earning Assets to total Assets | 89.66% |
Income and Expense
| Total Interest Income | $22.10M |
| Total Noninterest Income | $2.50M |
| Total Interest Expense | $7.99M |
| Total Noninterest Expense | $10.92M |
| Net Interest Income | $14.11M |
| Pre-tax Net Operating Income | $-15,305,000 |
| Provision for Credit Losses | $21.00M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $129.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $21.11M |
| Total Liabilities and Capital | $1.44B |
Securities
| Securities | $199.76M |
| Available-for-sale debt securities | $183.83M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $16.17M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Fidelity Co-operative Bank?
$1.44B as of the latest filing.
How much are Fidelity Co-operative Bank's total deposits?
$1.25B in total deposits.
Where is Fidelity Co-operative Bank located?
Leominster, MA.
What is the Net Interest Margin?
4.15%.
How many domestic offices does it operate?
14.
When was it established?
01/01/1888.
What is the Return on Assets (ROA)?
-2.67%.
How much are total loans and leases?
$1.06B (latest filing).
What is the total interest income (latest filing)?
$22.10M.