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
Unfavorable gap of $29.8M · efficiency ratio beats 20% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.93% | 1.22% | 1.51% | Beats 20% | 253 / 317 | |
| Return on Equity | 7.24% | 8.63% | 11.43% | 14.48% | Beats 16% | 265 / 317 | |
| Net Interest Margin | 3.48% | 3.06% | 3.45% | 3.83% | Beats 51% | 154 / 317 | |
| Efficiency Ratio | 69.70% | 51.90% | 59.69% | 67.53% | Beats 20% | 255 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.24% | 0.51% | 1.14% | Beats 56% | 139 / 311 | |
| Net Charge-Offs / Loans | 0.25% | 0.01% | 0.04% | 0.12% | Beats 13% | 271 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 12.52% | 11.75% | 13.15% | 15.30% | Beats 39% | 193 / 317 | |
| Total Risk-Based Capital Ratio | 12.52% | 12.63% | 14.21% | 16.26% | Beats 24% | 241 / 317 | |
| Equity / Assets | 11.95% | 9.06% | 10.32% | 11.95% | Beats 75% | 80 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 97.79% | 76.63% | 88.04% | 95.67% | 80th pctl | 61 / 312 | |
| Loans / Assets | 74.71% | 65.41% | 74.05% | 79.71% | 52nd pctl | 151 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |