Winchester Savings Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Winchester Savings Bank spends more to run itself than most banks of its size. Based in Winchester, Massachusetts, it had $1.1 billion in assets at June 30, 2026, up 16.3% from a year earlier. It earns about $0.42 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $1.1 million, 86% above the same quarter a year earlier. Over the same year, loans grew 15.9% and deposits grew 19.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.7 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
As of June 30, 2026, Winchester Savings Bank reported a return on assets of 0.42%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.50%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 661 Main St, Winchester, MA 01890
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1871
- Offices
- 6 domestic
- Employees (FTE)
- 76
- Domestic deposits
- $817.7M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $1.06B
- Average total loans
- $867.3M
- Average interest-bearing deposits
- $750.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 14, 1986
- FDIC Cert
- 90308
- Fed RSSD
- 899008
- SEC CIK
- 2047235 → filed by WINCHESTER BANCORP, INC.
- Website
- www.winchestersavings.com →
- Parent Holding Company
- WINCHESTER BANCORP, INC. (RSSD 6007421) · WSBK
- Ultimate Parent
- WINCHESTER BANCORP, MHC (RSSD 6006899)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| John A Carroll | CEO | President & CEO |
| Elda Heller | CFO | EVP and CFO |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Winchester Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Winchester Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Winchester Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.63% | 0.42% | 0.18% | 1.50% | 2.67% |
| Q1 2026 | 10.00% | 0.42% | 0.20% | 1.59% | 2.53% |
| Q4 2025 | 10.17% | 0.41% | 0.45% | 3.50% | 2.49% |
| Q3 2025 | 10.52% | 0.36% | 0.24% | 1.89% | 2.46% |
| Q2 2025 | 10.48% | 0.26% | 0.29% | 2.20% | 2.38% |
| Q1 2025 | 9.06% | 0.13% | 0.26% | 2.22% | 2.05% |
| Q4 2024 | 9.29% | 0.17% | 0.27% | 2.30% | 1.92% |
| Q3 2024 | 9.50% | -0.29% | 0.23% | 1.96% | 1.83% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Winchester Savings Bank (main office) | Winchester , MA | 01890 | $589.8M |
| Horn Pond Plaza Branch | Woburn , MA | 01801 | $82.1M |
| Danvers Branch | Danvers , MA | 01923 | $55.8M |
| Arlington Branch | Arlington , MA | 02474 | $50.4M |
| Woburn Center Branch | Woburn , MA | 01801 | $39.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 1983 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Winchester Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MA, rank 57 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 100 applications, 81 loans originated, $105.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Winchester Savings Bank
What are Winchester Savings Bank's total assets?
As of the Q2 2026 filing, Winchester Savings Bank reported total assets of $1.09 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Winchester Savings Bank headquartered?
Winchester Savings Bank is headquartered in Winchester, MA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Winchester Savings Bank founded?
Winchester Savings Bank was established in 1871, per the FDIC institution directory.
Is Winchester Savings Bank FDIC-insured?
Yes. Winchester Savings Bank is an FDIC-insured savings bank (FDIC Certificate #90308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Winchester Savings Bank?
Winchester Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Winchester Savings Bank operate?
Winchester Savings Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Winchester Savings Bank's Texas Ratio?
Winchester Savings Bank's Texas Ratio is 1.50% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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