North Cambridge Co-operative Bank
Cambridge, MA
IDRSSD: 931270
Total Assets
$88.12M
Latest filing
Total Deposits
$61.35M
Latest filing
Net Interest Margin
2.96%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
North Cambridge Co-operative Bank
2360 Massachusetts Ave
Cambridge, MA 02140
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1912FDIC Certificate 35267
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| North Cambridge Co-operative Bank (Main) | 2360 Massachusetts Ave | Cambridge, MA | ||
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 | 01/01/1912 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 02140 |
| State and County Number | 25017 |
| 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 | 9 |
| Domestic Offices | 1 |
| 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 | 02/05/1986 |
| Primary Insurance Agency | DIF |
| Website | WWW.ASKNCCB.COM |
| Data Updated | 01/30/2026 |
| CERT | 26567 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $88.12M |
| Total Deposits | $61.35M |
| Total Liabilities | $62.92M |
| Total Equity Capital | $25.20M |
| Net Income | $43.00k |
| Net Loans and Leases | $46.55M |
| Assets Per Employee ($Millions) | $9.79M |
| Bank Premises and Fixed Assets | $134.00k |
| Cash and Balances due from Depository Institutions | $23.67M |
| Deposits Held in Domestic Offices | $61.35M |
Key Performance Ratios
| Return on Assets (ROA) | 0.2% |
| Return on Equity (ROE) | 0.68% |
| Net Interest Margin | 2.96% |
| Efficiency Ratio | 101.63% |
| Tier 1 Risk-Based Capital Ratio | 63.811% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 28.599% |
| Earning Assets to total Assets | 94.5% |
Income and Expense
| Total Interest Income | $828.00k |
| Total Noninterest Income | $5.00k |
| Total Interest Expense | $221.00k |
| Total Noninterest Expense | $622.00k |
| Net Interest Income | $607.00k |
| Pre-tax Net Operating Income | $20.00k |
| Provision for Credit Losses | $-30,000 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.57M |
| Total Liabilities and Capital | $88.12M |
Securities
| Securities | $17.26M |
| Available-for-sale debt securities | $11.90M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of North Cambridge Co-operative Bank?
$88.12M as of the latest filing.
How much are North Cambridge Co-operative Bank's total deposits?
$61.35M in total deposits.
Where is North Cambridge Co-operative Bank located?
Cambridge, MA.
What is the Net Interest Margin?
2.96%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1912.
What is the Return on Assets (ROA)?
0.2%.
How much are total loans and leases?
$46.55M (latest filing).
What is the total interest income (latest filing)?
$828.00k.