Winchester Co-Operative Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Winchester Co-Operative Bank of Winchester, MA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.59% | 1.35% | -0.76% | 16th bottom |
| ROAE | 5.05% | 13.32% | -8.27% | 14th bottom |
| Net Interest Margin | 2.30% | 3.93% | -1.63% | 2nd bottom |
| Efficiency Ratio | 67.35% | 61.13% | +6.22% | 34th below |
| PPNR / Avg Assets | 0.77% | 1.68% | -0.91% | 14th bottom |
| Yield on Earning Assets | 4.81% | 5.67% | -0.86% | 17th bottom |
| Cost of Funds | 2.69% | 1.88% | +0.81% | 11th bottom |
| Net Interest Spread | 1.91% | 3.32% | -1.41% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.35% | 1.28% | -0.93% | 1st bottom |
| Texas Ratio | 2.65% | 7.34% | -4.69% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.80% | 12.14% | -0.34% | 62nd above |
| Equity / Assets | 11.61% | 11.37% | +0.24% | 67th above |
| TCE / Tangible Assets | 11.61% | 11.09% | +0.52% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.93% | 80.63% | +9.30% | 28th below |
| Core Deposit Ratio | 71.89% | 86.87% | -14.98% | 6th bottom |
| Wholesale Funding Ratio | 6.34% | 5.03% | +1.31% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.44% | 6.85% | +0.59% | 72nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.81% | 7.90% | -1.09% | 59th above |
| Deposit Growth (Y/Y) | 8.48% | 6.29% | +2.19% | 78th top |
See Winchester Co-Operative Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Winchester Co-Operative Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Winchester Co-Operative Bank profile, how to read a UBPR, or how this data updates.