Listed locations
13
Institution profile
Reading Co-operative Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Reading Co-operative Bank
- Display name
- Reading Co-operative Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- March 27, 1986
- Established date
- January 1, 1886
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Reading, MA, 01867, United States
- Website
- https://www.readingcoop.com
- FDIC certificate number
- 26620
- Federal Reserve RSSD ID
- 1008674
- Domestic location count
- 13
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 26620
- Federal Reserve RSSD ID
- 1008674
- LEI
- 549300BNF48S5Z88UL34
- Headquarters
- 180 Haven Street, Reading, MA, 01867, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 13 of 13 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| CENTRAL STREET BRANCH | 20 Central Street | Andover | MA | 01810 |
| WALL STREET BRANCH | 10 Wall Street | Burlington | MA | 01803 |
| READING COOPERATIVE BANK BRANCH | 215 Canal Street | Lawrence | MA | 01867 |
| EQUITABLE CO-OPERATIVE BANK BRANCH | 400 Broadway | Lynn | MA | 01904 |
| LYNNFIELD BRANCH | 596 Main ST | Lynnfield | MA | 01940 |
| MELROSE BRANCH | 526 Main Street | Melrose | MA | 02176 |
| NAHANT BRANCH | 28 Nahant Road | Nahant | MA | 01908 |
| PARK STREET BRANCH | 170 Park Street | North Reading | MA | 01864 |
| READING MEMORIAL HIGH SCHOOL BRANCH | 62 Oakland Road | Reading | MA | 01867 |
| HEMLOCK ROAD BRANCH | 100 Hemlock Road | Wakefield | MA | 01880 |
| WAKEFIELD BRANCH | 342 Main Street | Wakefield | MA | 01880 |
| WILMINGTON BRANCH | 352 Midlesex Ave | Wilmington | MA | 01887 |
| TRADECENTER BRANCH | 300 Tradecenter, Route 128 | Woburn | MA | 01801 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- July 31, 2023
- Regulator
- Federal Reserve
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| July 31, 2023 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| December 2, 2019 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| October 24, 2016 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| September 16, 2013 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| September 12, 2011 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| October 1, 2006 | Satisfactory | FDIC | Small Bank |
| September 1, 2001 | Satisfactory | FDIC | Small Bank |
| June 1, 1997 | Satisfactory | FDIC | Small Bank |
| September 1, 1994 | Satisfactory | FDIC | Not Reported |
| June 1, 1992 | Needs to Improve | FDIC | Not Reported |
Institutional history
1 FFIEC NIC history event
Showing 1 of 1 history events
| Event date | Event type | Related institution |
|---|---|---|
| May 1, 2025 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
1 FFIEC NIC relationship record
Showing 1 of 1 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| ROOT_INSTITUTION | READING CO-OPERATIVE BANK | State Member Bank | Reading, MA |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank