Walpole Co-Operative Bank vs Northern Bank & Trust Company
Comparing a Bank in Walpole, MA with a Bank in Woburn, MA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Walpole Co-Operative Bank ↗ Bank · Walpole, MA · Est. 1912 | Northern Bank & Trust Company ↗ Bank · Woburn, MA · Est. 1960 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Walpole, MA | Woburn, MA |
| Total assets | $649.4M | $3.3B |
| Capital ratio | 18.7% | 14.3% |
| Return on assets | 1.1% | 1.8% |
| Deposits | $512.7M | $2.7B |
| Branches | 1 | 14 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 91 | #1 of 91 |
| Established | 1912 | 1960 |
Walpole Co-Operative Bank
- Assets: $649.4M
- Deposits: $512.7M
- Capital ratio: 18.7%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #4 of 91
Northern Bank & Trust Company
- Assets: $3.3B
- Deposits: $2.7B
- Capital ratio: 14.3%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #1 of 91
Are both institutions federally insured?
Yes. Walpole Co-Operative Bank is FDIC-insured and Northern Bank & Trust Company is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Walpole Co-Operative Bank or Northern Bank & Trust Company?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Walpole Co-Operative Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Walpole Co-Operative Bank safe?
Yes — Walpole Co-Operative Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Northern Bank & Trust Company safe?
Yes — Northern Bank & Trust Company is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Walpole Co-Operative Bank vs Northern Bank & Trust Company?
Walpole Co-Operative Bank has a capital ratio of 18.7%, placing it in the top 4% of $100M–1B peers. Northern Bank & Trust Company's ratio is 14.3%, placing it in the top 9% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Walpole Co-Operative Bank have compared to Northern Bank & Trust Company?
The CFPB database shows 0 complaints against Walpole Co-Operative Bank, and 0 complaints against Northern Bank & Trust Company. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Walpole Co-Operative Bank with other Banks in Massachusetts
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
