Winchester Co-Operative Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.86 percentage points higher than in Q1 2026, at 76.32%. Within Massachusetts, Winchester Co-Operative Bank is 61st of 89 on loan-to-deposit ratio, 89.93% as of Q2 2026, below the middle of the field. Winchester Co-Operative Bank reported 89.93% on loan-to-deposit ratio for Q2 2026, 9.09 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $695.9M |
| Net loans and leases | $693.4M |
| Loans held for sale | $0 |
| Loans to total assets | 73.49% |
| Loan-to-deposit ratio | 89.93% |
| Net loans to equity capital | 6.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.48% |
| Multifamily (5+ residential) | 3.41% |
| Commercial and industrial | 0.09% |
| Consumer | 0.12% |
| Credit cards | 0.00% |
| Farm | 0.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 76.32% |
| Construction concentration (Tier 1 capital + allowance) | 34.08% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.12% |
| Interest income on loans | $8.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $591.7M | $643.8M | 5.72% | 0.09% | 0.33% |
| Q4 2023 | $598.3M | $651.8M | 5.62% | 0.09% | 0.34% |
| Q1 2024 | $606.2M | $670.6M | 5.61% | 0.10% | 0.33% |
| Q2 2024 | $624.5M | $667.1M | 5.57% | 0.08% | 0.32% |
| Q3 2024 | $630.4M | $675.5M | 5.67% | 0.08% | 0.31% |
| Q4 2024 | $638.2M | $686.2M | 5.68% | 0.08% | 0.29% |
| Q1 2025 | $641.5M | $706.6M | 5.68% | 0.10% | 0.19% |
| Q2 2025 | $651.5M | $713.3M | 5.79% | 0.11% | 0.16% |
| Q3 2025 | $669.0M | $720.9M | 5.87% | 0.10% | 0.16% |
| Q4 2025 | $679.7M | $736.9M | 6.01% | 0.10% | 0.16% |
| Q1 2026 | $684.4M | $759.8M | 6.43% | 0.10% | 0.13% |
| Q2 2026 | $695.9M | $773.8M | 6.48% | 0.09% | 0.12% |
Winchester Co-Operative Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Winchester Co-Operative Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Winchester Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27238) · FFIEC NIC profile (RSSD 268976)