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
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.91% | 1.22% | 1.52% | Beats 22% | 256 / 328 | | |
| Return on Equity | 7.24% | 8.43% | 11.45% | 14.43% | Beats 16% | 274 / 328 | | |
| Net Interest Margin | 3.48% | 3.03% | 3.45% | 3.83% | Beats 52% | 159 / 328 | | |
| Efficiency Ratio | 69.70% | 51.61% | 59.56% | 67.53% | Beats 20% | 264 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.24% | 0.51% | 1.03% | Beats 56% | 144 / 322 | | |
| Net Charge-Offs / Loans | 0.25% | 0.01% | 0.03% | 0.10% | Beats 12% | 284 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.52% | 11.75% | 13.15% | 15.47% | Beats 40% | 197 / 328 | | |
| Total Risk-Based Capital Ratio | 12.52% | 12.63% | 14.15% | 16.46% | Beats 24% | 248 / 328 | | |
| Equity / Assets | 11.95% | 9.15% | 10.33% | 12.01% | Beats 74% | 84 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.79% | 76.63% | 87.92% | 95.36% | 81st pctl | 62 / 323 | | |
| Loans / Assets | 74.71% | 65.18% | 74.15% | 79.98% | 52nd pctl | 157 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |