Reading Cooperative Bank

Overview / Commentary
180 Haven Street
Reading, MA 01867

Reading Cooperative Bank is headquartered in Reading and is the 67th largest bank in the state of Massachusetts. It is also the 1,322nd largest bank in the nation. It was established in 1886 and as of December of 2020, it had grown to 79 employees at 8 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 - YTD0.74%
Return on Equity - YTD8.17%
Annual Interest Income$23.9MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$649.2MM$597.5MM
LoansQ4 2020vs Q4 2019$485.0MM$460.4MM
DepositsQ4 2020vs Q4 2019$542.8MM$478.0MM
Equity CapitalQ4 2020vs Q4 2019$59.5MM$54.3MM
Loan Loss AllowanceQ4 2020vs Q4 2019$3.5MM$2.8MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.2MM$879.00K
Real Estate OwnedQ4 2020vs Q4 2019$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

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

Reading Cooperative Bank Locations
Burlington Office Branch10 Wall StreetBurlington, MA 01803
North Reading Branch170 Park StreetNorth Reading, MA 01864
Andover Branch18-20 Central StreetAndover, MA 01810
Reading Co-Operative Bank180 Haven StreetReading, MA 01867
Lowell Street Wilmington Branch230 Lowell StreetWilmington, MA 01887
Wilmington Branch352 Middlesex AvenueWilmington, MA 01887
Reading Memorial High School Branch62 Oakland RoadReading, MA 01867
Nemt Branch100 Hemlock RoadWakefield, MA 01880

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