Winchester, MA · Cert 90308 · Winchester Bcorp MHC
SI · FDIC · 5 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #38 of 100 inst. · $0.8B of $580.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | 0.17% | 0.13% | 0.26% | 0.35% | 0.40% | 0.42% | 0.42% | +16 bps | |
| Return on Equity | -3.17% | 1.86% | 1.51% | 2.72% | 3.44% | 4.07% | 4.31% | 4.45% | +173 bps | |
| Net Interest Margin | 1.76% | 1.83% | 1.96% | 2.28% | 2.37% | 2.41% | 2.45% | 2.59% | +31 bps | |
| Efficiency Ratio | 96.07% | 86.26% | 91.10% | 79.97% | 80.32% | 74.37% | 73.70% | 74.11% | -586 bps | |
| Non-Interest Burden | 1.68% | 1.56% | 1.77% | 1.80% | 1.88% | 1.76% | 1.77% | 1.89% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.54% | 11.20% | 12.75% | 9.71% | 13.53% | 12.23% | 13.33% | 16.25% | +654 bps | |
| Loan Growth (YoY) | 12.92% | 11.52% | 11.01% | 10.21% | 12.08% | 10.37% | 15.56% | 15.92% | +571 bps | |
| Deposit Growth (YoY) | 9.98% | 9.88% | 15.83% | 7.00% | 11.78% | 13.43% | 12.18% | 19.90% | +1,290 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.27% | 0.26% | 0.29% | 0.24% | 0.45% | 0.20% | 0.18% | -11 bps | |
| Net Charge-Offs / Loans | 0.77% | -0.02% | 0.03% | -0.01% | 0.14% | 0.15% | 0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 0.47% | 0.50% | 0.49% | 0.55% | 0.55% | 0.55% | 0.54% | 0.55% | 0 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.9x | 1.9x | 1.9x | 2.2x | 1.2x | 2.7x | 3.0x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 9.29% | 9.06% | 10.48% | 10.52% | 10.17% | 10.00% | 9.63% | -85 bps | |
| Total Risk-Based Capital | 9.50% | 9.29% | 9.06% | 10.48% | 10.52% | 10.17% | 10.00% | 9.63% | -85 bps | |
| Equity / Assets | 9.19% | 8.97% | 8.76% | 10.32% | 9.89% | 9.88% | 9.56% | 9.32% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.46% | 109.95% | 103.72% | 110.79% | 110.76% | 106.98% | 106.86% | 107.11% | -368 bps | |
| Liquid Assets / Assets | 10.06% | 9.50% | 11.85% | 10.48% | 11.10% | 10.53% | 10.10% | 10.09% | -39 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 404% | 401% | 415% | n/a | n/a | |