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Webster Five Cents Savings Bank

Webster, MA · Cert 90297 · Webfive MHC

SI · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

46

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Webster Five Cents Savings Bank

Webster, MA · Cert 90297 · Webfive MHC

SI · FDIC · 7 branches

Q2 2026

$1.3BAssets
$978.7MLoans
$1.0BDeposits
$156.6MEquity
Loan mix
94%RE $928.2M5%C&I $53.3M0%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $761.4M24%Noninterest $239.4MQ2 2025Q2 2026

NIM

4.79%Q2 ’244.90%Q2 ’254.98%Q2 ’26+8%+13%

Non-interest income vs. expense

2.59%Q2 ’242.56%Q2 ’252.75%Q2 ’26-2%+6%

Market Position · Worcester, MA · 2026 SOD (annual) · 4.4% share · #7 of 26 inst. · $1.0B of $22.5B

Executive Summary

  • Earnings: ROA of 0.87%, up 14 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.46% of loans (-48 bps YoY), with net charge-offs at 0.49%.
  • Capital: tier 1 leverage ratio of 12.52%, up 98 bps from a year ago.
  • Funding: loans stand at 97.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+40 bps YoY

Efficiency Ratio (YTD, annualized)

69.70%-360 bps YoY

Tier 1 Leverage Ratio

12.52%+98 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.76%0.73%0.73%0.87%+14 bps
Return on Equity6.71%7.00%6.59%6.26%7.35%+65 bps
Net Interest Margin3.08%3.20%3.28%3.38%3.48%+40 bps
Efficiency Ratio73.31%71.01%70.45%71.57%69.70%-360 bps
Non-Interest Burden2.15%2.14%2.17%2.29%2.28%+14 bps
Growth
Asset Growth (YoY)5.82%5.13%0.14%0.82%-0.92%-674 bps
Loan Growth (YoY)4.71%2.93%-1.26%-1.37%-3.54%-825 bps
Deposit Growth (YoY)3.38%4.32%1.19%2.34%-0.02%-339 bps
Asset Quality
Nonperforming Loans / Loans0.95%0.88%0.76%1.16%0.46%-48 bps
Net Charge-Offs / Loans-0.08%-0.06%0.12%0.86%0.49%+58 bps
Allowance / Loans0.93%1.00%0.98%0.82%0.80%-13 bps
Allowance Coverage of NPLs1.0x1.1x1.3x0.7x1.7x+0.7x
Capital
Tier 1 Leverage Ratio11.55%11.84%12.11%12.34%12.52%+98 bps
Total Risk-Based Capital11.55%11.84%12.11%12.34%12.52%+98 bps
Equity / Assets10.98%11.24%11.70%11.72%11.95%+98 bps
Liquidity & Funding
Loans / Deposits101.36%98.79%100.28%97.93%97.79%-357 bps
Liquid Assets / Assets1.10%2.97%1.44%1.56%1.50%+40 bps
CRE / Total Capitaln/a459%442%438%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Webster Five Cents Savings Bank

Webster, MA · Cert 90297 · Peer group: banks $1B-$10B in assets (n=311-317) · Webfive MHC

SI · FDIC · 7 branches

Q2 2026

$1.3BAssets
$978.7MLoans
$1.0BDeposits
$156.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 75% of banks $1B-$10B in assets (rank 80 of 317).
  • Widest gap: net charge-offs / loans trails 87% of banks $1B-$10B in assets (rank 271 of 311).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.87%

Rank 253 of 317

Net Interest Margin

3.48%

Rank 154 of 317

Efficiency Ratio

69.70%

Rank 255 of 317

Equity / Assets

11.95%

Rank 80 of 317

Non-interest income vs. expense

$6.2M$36.0MINCOMEEXPENSE
Unfavorable gap of $29.8M · efficiency ratio beats 20% of banks $1B-$10B in assets
Bank 69.70%Peer median 59.7%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.93%1.22%1.51%Beats 20%253 / 317
Return on Equity7.24%8.63%11.43%14.48%Beats 16%265 / 317
Net Interest Margin3.48%3.06%3.45%3.83%Beats 51%154 / 317
Efficiency Ratio69.70%51.90%59.69%67.53%Beats 20%255 / 317
Asset Quality
Nonperforming Loans / Loans0.46%0.24%0.51%1.14%Beats 56%139 / 311
Net Charge-Offs / Loans0.25%0.01%0.04%0.12%Beats 13%271 / 311
Capital
Tier 1 Capital Ratio12.52%11.75%13.15%15.30%Beats 39%193 / 317
Total Risk-Based Capital Ratio12.52%12.63%14.21%16.26%Beats 24%241 / 317
Equity / Assets11.95%9.06%10.32%11.95%Beats 75%80 / 317
Liquidity & Funding
Loans / Deposits97.79%76.63%88.04%95.67%80th pctl61 / 312
Loans / Assets74.71%65.41%74.05%79.71%52nd pctl151 / 317
Brokered Deposits / Depositsn/aNot reported for this institution