Winchester Co-Operative Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 1.11 percentage points lower than in Q1 2026, at 71.89%. Winchester Co-Operative Bank ranks 52nd of 89 Massachusetts banks on return on assets, in the lower half at 0.59% (Q2 2026). Winchester Co-Operative Bank's return on assets of 0.59% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.80% |
| Equity capital to assets | 11.61% |
| Tangible equity to tangible assets | 11.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.65% |
| Allowance for credit losses to loans | 0.35% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.59% |
| Return on equity | 5.05% |
| Net interest margin | 2.30% |
| Efficiency ratio | 67.35% |
| Yield on earning assets | 4.81% |
| Cost of funds | 2.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.93% |
| Core deposits to total deposits | 71.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.72% |
| Securities to assets | 10.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.32% | 0.15% | 1.79% | 0.22% | 0.00% |
| Q4 2023 | 13.25% | 0.10% | 1.68% | 0.21% | 0.00% |
| Q1 2024 | 13.14% | 0.11% | 1.68% | 0.21% | 0.00% |
| Q2 2024 | 12.84% | 0.09% | 1.70% | 0.17% | 0.00% |
| Q3 2024 | 12.32% | 0.16% | 1.70% | 0.14% | 0.00% |
| Q4 2024 | 12.25% | 0.29% | 1.82% | 0.14% | 0.00% |
| Q1 2025 | 12.07% | 0.35% | 1.93% | 0.17% | 0.01% |
| Q2 2025 | 12.00% | 0.51% | 2.04% | 0.16% | 0.00% |
| Q3 2025 | 11.93% | 0.46% | 2.12% | 0.13% | 0.00% |
| Q4 2025 | 11.92% | 0.55% | 2.16% | 0.00% | -0.20% |
| Q1 2026 | 11.82% | 0.63% | 2.30% | 0.00% | 0.00% |
| Q2 2026 | 11.80% | 0.59% | 2.30% | 0.00% | 0.00% |
Winchester Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Winchester Co-Operative Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)