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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=322 to 328). 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

34

Q2 2024Q2 2026peer median (50)

Profitability

30

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 2026-10-11

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 $2.1MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $761.4M24%Noninterest $239.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.54%0.72%0.72%0.76%0.73%0.73%0.87%+14 bps
Return on Equity5.08%5.11%6.72%6.71%7.00%6.59%6.26%7.35%+65 bps
Net Interest Margin2.89%2.92%3.00%3.08%3.20%3.28%3.38%3.48%+40 bps
Efficiency Ratio78.25%77.77%75.00%73.31%71.01%70.45%71.57%69.70%-360 bps
Non-Interest Burden2.17%2.18%2.15%2.15%2.14%2.17%2.29%2.28%+14 bps
Growth
Asset Growth (YoY)5.58%4.08%4.13%5.82%5.13%0.14%0.82%-0.92%-674 bps
Loan Growth (YoY)6.11%4.93%3.98%4.71%2.93%-1.26%-1.37%-3.54%-825 bps
Deposit Growth (YoY)1.90%2.58%2.71%3.38%4.32%1.19%2.34%-0.02%-339 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.23%0.41%0.95%0.88%0.76%1.16%0.46%-48 bps
Net Charge-Offs / Loans0.00%0.10%0.00%-0.08%-0.06%0.12%0.86%0.49%+58 bps
Allowance / Loans0.97%0.89%0.87%0.93%1.00%0.98%0.82%0.80%-13 bps
Allowance Coverage of NPLs3.0x3.9x2.1x1.0x1.1x1.3x0.7x1.7x+0.7x
Capital
Tier 1 Leverage Ratio11.50%11.53%11.51%11.55%11.84%12.11%12.34%12.52%+98 bps
Total Risk-Based Capital11.50%11.53%11.51%11.55%11.84%12.11%12.34%12.52%+98 bps
Equity / Assets10.95%10.55%10.88%10.98%11.24%11.70%11.72%11.95%+98 bps
Liquidity & Funding
Loans / Deposits100.12%102.78%101.61%101.36%98.79%100.28%97.93%97.79%-357 bps
Liquid Assets / Assets1.39%1.17%0.75%1.10%2.97%1.44%1.56%1.50%+40 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Webster Five Cents Savings Bank

Webster, MA · Cert 90297 · Peer group: banks $1B-$10B in assets (n=322-328) · Webfive MHC

SI · FDIC · 7 branches

Q2 2026

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

Executive Summary

  • Strongest standing: equity / assets outperforms 74% of banks $1B-$10B in assets (rank 84 of 328).
  • Widest gap: net charge-offs / loans trails 88% of banks $1B-$10B in assets (rank 284 of 322).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.87%

Rank 256 of 328

Net Interest Margin

3.48%

Rank 159 of 328

Efficiency Ratio

69.70%

Rank 264 of 328

Equity / Assets

11.95%

Rank 84 of 328

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 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.87%0.91%1.22%1.52%Beats 22%256 / 328
Return on Equity7.24%8.43%11.45%14.43%Beats 16%274 / 328
Net Interest Margin3.48%3.03%3.45%3.83%Beats 52%159 / 328
Efficiency Ratio69.70%51.61%59.56%67.53%Beats 20%264 / 328
Asset Quality
Nonperforming Loans / Loans0.46%0.24%0.51%1.03%Beats 56%144 / 322
Net Charge-Offs / Loans0.25%0.01%0.03%0.10%Beats 12%284 / 322
Capital
Tier 1 Capital Ratio12.52%11.75%13.15%15.47%Beats 40%197 / 328
Total Risk-Based Capital Ratio12.52%12.63%14.15%16.46%Beats 24%248 / 328
Equity / Assets11.95%9.15%10.33%12.01%Beats 74%84 / 328
Liquidity & Funding
Loans / Deposits97.79%76.63%87.92%95.36%81st pctl62 / 323
Loans / Assets74.71%65.18%74.15%79.98%52nd pctl157 / 328
Brokered Deposits / Depositsn/aNot reported for this institution