WEBSTER FIVE CENTS SAVINGS BANK

WEBSTER, MA | Large | Est. March 15, 1868, midnight | FDIC #90297 | RSSD #765505 | FDIC
Latest Report: 2025-12-31

WEBSTER FIVE CENTS SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in WEBSTER, MA, established in March 15, 1868, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $993M. Profitability stands at 0.62% ROA and 5.42% ROE, with a net interest margin of 3.70%. The bank's CET1 capital ratio is 11.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.76% and a Texas Ratio of 4.64%. FDIC Certificate #90297.

Assets

$1.3B

Deposits

$993M

Loans

$995M

Equity

$152M

Profitability

Return on Assets (ROA) 0.62%
Return on Equity (ROE) 5.42%
Net Interest Margin (NIM) 3.70%
Yield on Assets 5.43%
Cost of Funds 2.31%

Asset Quality

NPL Ratio 0.76%
Net Charge-Off Ratio 0.12%
Texas Ratio 4.64%
NPA Ratio 0.58%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 11.70%
Tier 1 Capital 11.70%
Total Capital Ratio 12.29%
Leverage Ratio 12.11%
Loan-to-Deposit 100.28%

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