Reading Cooperative Bank

Overview / Commentary
180 Haven Street
Reading, MA 01867

Reading Cooperative Bank is headquartered in Reading and is the 61st largest bank in the state of Massachusetts. It is also the 1,312th largest bank in the nation. It was established in 1886 and as of June of 2022, it had grown to 94 employees at 10 locations. Reading Cooperative Bank has an A health rating.


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Health Grade Components

FDIC Certificate #26620
Year Established1886
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD12.63%
Annual Interest Income$12.1MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$706.5MM$656.6MM
LoansQ2 2022vs Q2 2021$555.9MM$497.9MM
DepositsQ2 2022vs Q2 2021$639.9MM$574.2MM
Equity CapitalQ2 2022vs Q2 2021$53.8MM$60.6MM
Loan Loss AllowanceQ2 2022vs Q2 2021$4.0MM$3.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.1MM$957.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Reading Cooperative Bank Savings Account Rates

0.01%--Health Savings Account
0.01%$10-Green Online Savings
0.01%$10-Online Christmas Savings
0.01%$10-Online Vacation Savings
0.01%$10-Passbook Savings
0.01%$10-Student Passbook Savings
0.01%$10-Student Statement Savings
0.01%$10-Statement Savings

Reading Cooperative Bank Money Market Rates

0.10%*$100k*-Money Market Deposit Account
OTHER TIERS: 0.05% Up to $100k

Reading Cooperative Bank CD Rates

3.25%$500-9 Month CD Special
3.00%$500-15 Month CD Special
0.40%$500-5 Year CD
0.35%$500-4 Year CD
0.30%$500-3 Year CD
0.20%$500-2 Year CD
0.15%$500-1 Year CD
0.10%$500-6 Month CD

Reading Cooperative Bank IRA Rates

0.40%$500-5 Year IRA
0.35%$500-4 Year IRA
0.30%$500-3 Year IRA
0.20%$500-2 Year IRA
0.15%$500-1 Year IRA
0.10%$500-6 Month IRA

Cities: Andover, Burlington, Lynn, Nahant, North Reading, Reading, Wakefield, Wilmington

Andover Branches
Andover Branch18-20 Central StreetAndover, MA 01810

Burlington Branches
Burlington Office Branch10 Wall StreetBurlington, MA 01803

Lynn Branches
Lynn Branch400 BroadwayLynn, MA 01904

Nahant Branches
Nahant Branch28 Nahant RoadNahant, MA 01908

North Reading Branches
North Reading Branch170 Park StreetNorth Reading, MA 01864

Reading Branches
Reading Co-Operative Bank180 Haven StReading, MA 01867
Reading Memorial High School Branch62 Oakland RoadReading, MA 01867

Wakefield Branches
Nemt Branch100 Hemlock RoadWakefield, MA 01880

Wilmington Branches
Lowell Street Wilmington Branch230 Lowell StreetWilmington, MA 01887
Wilmington Branch352 Middlesex AvenueWilmington, MA 01887

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