Webster Five Cents Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Webster Five Cents Savings Bank is an FDIC-insured savings bank headquartered in Webster, MA, established in 1868 (FDIC certificate 90297), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.31B, down 0.9% from Q2 2025, the 40th largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.52% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90297
- Headquarters
- Webster, MA
- Established
- 1868
- Total assets, Q2 2026
- $1.31B
- Assets vs Q2 2025
- -0.9%
- Tier 1 leverage ratio, Q2 2026
- 12.52%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 211372857
- Latest call report
- Q2 2026, FFIEC 041 · Webster Five Cents Savings Bank call report
- Holding company
- WEBFIVE FINANCIAL SERVICES INC
- Asset rank in state
- 40th of 89 in Massachusetts
Webster Five Cents Savings Bank, based in Webster, Massachusetts, reported $1.3 billion in assets at June 30, 2026. It shrank its loan book 3.5% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also holds commercial real estate loans worth 3.5 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $3.3 million, 37% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.46% of loans from 0.95%. Profitability lags: it returns 8.4% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Webster Five Cents Savings Bank reported a return on assets of 1.00%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 2.76%. The figures come from its call report filed with the FFIEC.
Webster Five Cents Savings Bank ranks as the 40th largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $1.31B, loans fell 1.2% and deposits fell 1.1%. Non-owner-occupied commercial real estate loans made up 38.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.2%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in MA; its Webster office books 34% of its branch deposits. By the capital ratios in its Q2 2026 call report, Webster Five Cents Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 136 Thompson Rd, Webster, MA 01570
- County
- Worcester
- Metro Area
- Worcester, MA
- 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 041
- Established
- March 15, 1868
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 149
- Domestic deposits
- $1.00B
- Allowance for credit losses
- $7.8M
- Net charge-offs (YTD)
- $2.4M
- Average total assets
- $1.31B
- Average total loans
- $978.1M
- Average interest-bearing deposits
- $769.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 2, 1985
- FDIC Cert
- 90297
- Fed RSSD
- 765505
- Website
- www.web5.com →
- Parent Holding Company
- WEBFIVE FINANCIAL SERVICES INC (RSSD 3803024)
- Ultimate Parent
- WEBFIVE MHC (RSSD 3803033)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Webster Five Cents Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Webster Five Cents Savings Bank's total assets moved between a low of $1.20B (Q3 2023) and a high of $1.33B (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.31B total assets against $1.32B; $1.15B total liabilities against $1.18B.
$970.9M net loans and leases against $1.01B; $1.00B total deposits against $1.00B.
$235.5M securities against $215.7M; $29.0M cash and balances due against $25.5M.
$16.7M total interest income against $16.7M; $5.0M total interest expense against $6.1M.
$11.7M net interest income against $10.6M.
$1.6M total noninterest income against $1.5M; $9.1M total noninterest expense against $8.7M.
$55K provision for credit losses against $314K.
$3.3M net income against $2.4M.
1.00% return on assets against 0.72%; 3.79% net interest margin against 3.36%.
12.52% tier 1 leverage ratio against 11.55%.
Inside the full Webster Five Cents Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
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).
Webster Five Cents Savings Bank rankings
Its closest position to the top of a national ranking is 834 of 4,196, for total assets; its furthest is 2,576 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.55% (Q4 2024) to 1.00% (Q2 2026) and its net interest margin ran from 3.14% (Q3 2024) to 3.79% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.52% | 1.00% | 0.46% | 2.76% | 3.79% |
| Q1 2026 | 12.34% | 0.74% | 1.16% | 7.08% | 3.57% |
| Q4 2025 | 12.11% | 0.63% | 0.76% | 4.64% | 3.61% |
| Q3 2025 | 11.84% | 0.85% | 0.88% | 5.56% | 3.57% |
| Q2 2025 | 11.55% | 0.72% | 0.95% | 6.23% | 3.36% |
| Q1 2025 | 11.51% | 0.71% | 0.41% | 2.72% | 3.15% |
| Q4 2024 | 11.53% | 0.55% | 0.23% | 1.57% | 3.24% |
| Q3 2024 | 11.50% | 0.71% | 0.32% | 2.14% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Webster Five Cents Savings Bank (main office) | Webster , MA | 01570 | $336.5M |
| Front Street Branch | Worcester , MA | 01608 | $138.4M |
| Auburn Branch | Auburn , MA | 01501 | $137.7M |
| Oxford Branch | Oxford , MA | 01540 | $121.4M |
| Worcester Branch | Worcester , MA | 01602 | $98.1M |
| Dudley Branch | Dudley , MA | 01571 | $93.6M |
| Shrewsbury Branch | Shrewsbury , MA | 01545 | $75.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MA, rank 49 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 11 loans, $1.9M approved, $176K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Webster Five Cents Savings Bank
What are Webster Five Cents Savings Bank's total assets?
As of the Q2 2026 filing, Webster Five Cents Savings Bank reported total assets of $1.31 billion in its FFIEC call report.
Where is Webster Five Cents Savings Bank headquartered?
It is headquartered in Webster, MA, United States.
When was Webster Five Cents Savings Bank founded?
It was established in 1868, per the FDIC institution directory.
Is Webster Five Cents Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Webster Five Cents Savings Bank?
Webster Five Cents Savings Bank's primary federal regulator is the FDIC.
How many branches does Webster Five Cents Savings Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Webster Five Cents Savings Bank's Texas Ratio?
Its Texas Ratio is 2.76% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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