Co-operative Bank plc vs Lloyds Bank plc

Side-by-side credit rating comparison of these two UK banks

C
Co-operative Bank plc
Credit Rating
A
Normalized Score

75 / 100

Agencies

Moody's, Fitch

Outlook
Stable
Last Updated

14 July 2026

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VS
L
Lloyds Bank plc
Higher Rated
Credit Rating
AA-
Normalized Score

83 / 100

Agencies

S&P, Moody's, Fitch

Outlook

—

Last Updated

19 July 2026

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C
Co-operative Bank plc
Credit Rating
A
Score
75 / 100
Agencies

Moody's, Fitch

Outlook
Stable
L
Lloyds Bank plc
Higher Rated
Credit Rating
AA-
Score
83 / 100
Agencies

S&P, Moody's, Fitch

Outlook

—

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Co-operative Bank plc Details Lloyds Bank plc Details
Rating History Comparison
AA-A+AA-BBB+BBBBBB-BB+BBBB-B+BB-Jan 2016Jul 2026Co-operative Bank plc — 15 Jan 2016: BCo-operative Bank plc — 15 Sep 2017: B+Co-operative Bank plc — 15 Jun 2019: BB-Co-operative Bank plc — 10 Jul 2026: BBB-Co-operative Bank plc — 14 Jul 2026: AALloyds Bank plc — 15 Jan 2016: ALloyds Bank plc — 15 Jun 2018: A+Lloyds Bank plc — 21 Nov 2018: A+Lloyds Bank plc — 09 Jul 2026: AA-AA-
Co-operative Bank plcLloyds Bank plc
Co-operative Bank plc
Lloyds Bank plc
Comparison Summary
Metric Co-operative Bank plc Lloyds Bank plc Difference
Credit Rating A AA- Lloyds Bank plc rated ~1 notch higher
Normalized Score 75 83

-8 points

Agencies Moody's, Fitch S&P, Moody's, Fitch Different
Outlook Stable N/A Different
Trend Same
Investment Grade Yes Yes Same
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