WINCHESTER CO-OPERATIVE BANK

WINCHESTER, MA | Medium | Est. Jan. 1, 1893, midnight | FDIC #27238 | RSSD #268976 | FDIC
Latest Report: 2025-12-31

WINCHESTER CO-OPERATIVE BANK is amn medium FDIC-insured commercial bank headquartered in WINCHESTER, MA, established in Jan. 1, 1893, midnight. As of 2025-12-31, the bank reported total assets of $907M and total deposits of $737M. Profitability stands at 0.55% ROA and 4.63% ROE, with a net interest margin of 2.28%. The bank's CET1 capital ratio is 11.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #27238.

Assets

$907M

Deposits

$737M

Loans

$680M

Equity

$107M

Profitability

Return on Assets (ROA) 0.55%
Return on Equity (ROE) 4.63%
Net Interest Margin (NIM) 2.28%
Yield on Assets 5.07%
Cost of Funds 2.92%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.05%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.35%

Capital & Liquidity

CET1 Ratio 11.81%
Tier 1 Capital 11.81%
Total Capital Ratio 12.40%
Leverage Ratio 11.92%
Loan-to-Deposit 92.23%

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