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Winchester Savings Bank

Winchester, MA · Cert 90308 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Winchester Bcorp MHC

SI · FDIC · 5 branches

Q2 2026

$1.1BAssets
$875.9MLoans
$817.7MDeposits
$101.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 81% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 6 of 27).
  • Widest gap: total risk-based capital ratio trails 100% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 27 of 27).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.40%

Rank 23 of 27

Net Interest Margin

2.46%

Rank 23 of 27

Efficiency Ratio

73.92%

Rank 18 of 27

Equity / Assets

9.32%

Rank 23 of 27

Non-interest income vs. expense

$1.3M$20.3MINCOMEEXPENSE
Unfavorable gap of $19.0M · efficiency ratio beats 37% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 73.92%Peer median 68.2%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.40%0.48%0.78%0.99%Beats 15%23 / 27
Return on Equity4.33%5.50%7.06%8.20%Beats 19%22 / 27
Net Interest Margin2.46%2.49%2.70%3.34%Beats 15%23 / 27
Efficiency Ratio73.92%59.27%68.19%75.85%Beats 37%18 / 27
Asset Quality
Nonperforming Loans / Loans0.18%0.20%0.58%1.15%Beats 81%6 / 27
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 67%10 / 27
Capital
Tier 1 Capital Ratio9.63%13.21%14.69%16.81%Beats 0%27 / 27
Total Risk-Based Capital Ratio9.63%13.71%15.43%18.07%Beats 0%27 / 27
Equity / Assets9.32%9.62%11.14%13.14%Beats 15%23 / 27
Liquidity & Funding
Loans / Deposits107.11%91.42%101.19%107.11%74th pctl7 / 27
Loans / Assets80.56%75.31%80.56%83.39%48th pctl14 / 27
Brokered Deposits / Depositsn/aNot reported for this institution