WINCHESTER SAVINGS BANK

WINCHESTER, MA | Large | Est. July 1, 1871, midnight | FDIC #90308 | RSSD #899008 | FDIC
Latest Report: 2025-12-31

WINCHESTER SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in WINCHESTER, MA, established in July 1, 1871, midnight. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $752M. Profitability stands at 0.40% ROA and 4.07% ROE, with a net interest margin of 2.59%. The bank's CET1 capital ratio is 9.88%. Asset quality metrics show a non-performing loan ratio of 0.45% and a Texas Ratio of 3.50%. FDIC Certificate #90308.

Assets

$1.0B

Deposits

$752M

Loans

$805M

Equity

$99M

Profitability

Return on Assets (ROA) 0.40%
Return on Equity (ROE) 4.07%
Net Interest Margin (NIM) 2.59%
Yield on Assets 5.35%
Cost of Funds 2.85%

Asset Quality

NPL Ratio 0.45%
Net Charge-Off Ratio 0.08%
Texas Ratio 3.50%
NPA Ratio 0.36%
ACL / Loans 0.55%

Capital & Liquidity

CET1 Ratio 9.88%
Tier 1 Capital 9.88%
Total Capital Ratio 10.37%
Leverage Ratio 10.17%
Loan-to-Deposit 106.98%

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