Fidelity Coop Bank (FDIC #26451): Bank Stress & Real-Estate Credit Exposure

Fidelity Coop Bank (FDIC Cert #26451): bank stress 66/100, elevated, STABLE over 7 days; parent MUTUAL BCORP.

Fidelity Coop Bank (#26451) lends in 3 counties across 1 state; Fidelity Coop Bank (#26451) reaches 209 ZIP codes: Massachusetts 3 counties, 209 ZIPs.

Fidelity Coop Bank (#26451) largest markets: Worcester County, MA (957 branches, 87 ZIPs) (#26451), Middlesex County, MA (83 branches, 83 ZIPs) (#26451), Norfolk County, MA (41 branches, 41 ZIPs) (#26451).

Fidelity Coop Bank (#26451) reports $1.31 billion in total assets; Fidelity Coop Bank (#26451) equity $161.9 million (12.4% of Fidelity Coop Bank (#26451) assets); Fidelity Coop Bank (#26451) domestic deposits $1.12 billion; Fidelity Coop Bank (#26451) net income $5.4 million; Fidelity Coop Bank (#26451) return on assets 0.80%; Fidelity Coop Bank (#26451) return on equity 6.70%; Fidelity Coop Bank (#26451) net interest income $25.6 million; Fidelity Coop Bank (#26451) call report June 30, 2026.

Fidelity Coop Bank (#26451) noncurrent real-estate loans 1.81% of its book; Fidelity Coop Bank (#26451) residential 4.89%; Fidelity Coop Bank (#26451) net charge-offs on real estate 2.89%; Fidelity Coop Bank (#26451) residential charge-offs 6.15%.

Fidelity Coop Bank (#26451) net interest margin 4.29% against an eight-quarter Fidelity Coop Bank (#26451) average of 3.84% (Fidelity Coop Bank (#26451) compression -0.45 points); Fidelity Coop Bank (#26451) real-estate loans 181.4% of equity; Fidelity Coop Bank (#26451) non-residential real estate 615.4% of equity; Fidelity Coop Bank (#26451) rate-exposure score 40/100, Fidelity Coop Bank (#26451) fixed-rate trap 40/100; Fidelity Coop Bank (#26451) risk type credit driven; Fidelity Coop Bank (#26451) rate regime rates elevated, Fidelity Coop Bank (#26451) snapshot October 19, 2026.

Fidelity Coop Bank (#26451) stress score held at 66.1 across 117 daily snapshots, June 22, 2026 to October 20, 2026.

Fidelity Coop Bank (#26451) alerts: 3 counties; top Fidelity Coop Bank (#26451) alert scores: Worcester County, MA 45 (moderate); Needham County, MA 23 (low); Shirley County, MA 23 (low).