Winchester Co-operative Bank
Winchester, MA · Cert 27238 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)
SI · FDIC · 2 branches
Q2 2026
$946.9MAssets
$695.9MLoans
$773.8MDeposits
$110.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 15 of 29).
- Widest gap: net interest margin trails 86% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 25 of 29).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.60%
Rank 5 of 29
Net Interest Margin
2.22%
Rank 25 of 29
Efficiency Ratio
66.13%
Rank 3 of 29
Equity / Assets
11.61%
Rank 7 of 29
Non-interest income vs. expense
Unfavorable gap of $13.3M · efficiency ratio beats 93% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.23% | 0.39% | 0.50% | Beats 83% | 5 / 29 | | |
| Return on Equity | 5.14% | 2.29% | 3.46% | 5.78% | Beats 69% | 9 / 29 | | |
| Net Interest Margin | 2.22% | 2.42% | 2.71% | 3.01% | Beats 14% | 25 / 29 | | |
| Efficiency Ratio | 66.13% | 78.96% | 84.14% | 93.09% | Beats 93% | 3 / 29 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.03% | 0.13% | 0.43% | Beats 28% | 22 / 29 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 15 / 29 | | |
| Capital |
| Tier 1 Capital Ratio | 11.80% | 11.54% | 13.48% | 16.99% | Beats 28% | 21 / 29 | | |
| Total Risk-Based Capital Ratio | 11.80% | 11.54% | 14.44% | 17.87% | Beats 28% | 21 / 29 | | |
| Equity / Assets | 11.61% | 8.70% | 9.70% | 11.05% | Beats 76% | 7 / 29 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.93% | 84.22% | 92.17% | 95.56% | 39th pctl | 17 / 28 | | |
| Loans / Assets | 73.49% | 69.12% | 73.70% | 81.02% | 45th pctl | 16 / 29 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |