Winchester Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Winchester Savings Bank is an FDIC-insured savings bank headquartered in Winchester, MA, established in 1871 (FDIC certificate 90308), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.09B, up 16.3% from Q2 2025, the 44th largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.63% 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
- 90308
- Headquarters
- Winchester, MA
- Established
- 1871
- Total assets, Q2 2026
- $1.09B
- Assets vs Q2 2025
- +16.3%
- Tier 1 leverage ratio, Q2 2026
- 9.63%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 211370888
- Latest call report
- Q2 2026, FFIEC 051 · Winchester Savings Bank call report
- Holding company
- WINCHESTER BANCORP, INC.
- Asset rank in state
- 44th of 89 in Massachusetts
Winchester Savings Bank spends more to run itself than most banks of its size. Based in Winchester, Massachusetts, it had $1.1 billion in assets at June 30, 2026, up 16.3% from a year earlier. It earns about $0.42 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $1.1 million, 86% above the same quarter a year earlier. Over the same year, loans grew 15.9% and deposits grew 19.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.7 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
As of June 30, 2026, Winchester Savings Bank reported a return on assets of 0.42%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.50%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Winchester Savings Bank is the 44th largest of the 89 banks headquartered in Massachusetts. From Q1 2026 to Q2 2026, its total assets rose 3.9% to $1.09B, loans rose 3.6% and deposits rose 3.4%. 1-4 family residential loans made up 49.8% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 24.3%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in MA; its Winchester office books 72% of its branch deposits. Judged on its Q2 2026 call report, Winchester Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 661 Main St, Winchester, MA 01890
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- 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 051
- Established
- July 1, 1871
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 76
- Domestic deposits
- $817.7M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $1.06B
- Average total loans
- $867.3M
- Average interest-bearing deposits
- $750.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 14, 1986
- FDIC Cert
- 90308
- Fed RSSD
- 899008
- SEC CIK
- 2047235 → filed by WINCHESTER BANCORP, INC.
- Website
- www.winchestersavings.com →
- Parent Holding Company
- WINCHESTER BANCORP, INC. (RSSD 6007421) · WSBK
- Ultimate Parent
- WINCHESTER BANCORP, MHC (RSSD 6006899)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| John A Carroll | CEO | President & CEO |
| Elda Heller | CFO | EVP and CFO |
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, Winchester Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Winchester Savings Bank's total assets ran between $769.3M (Q3 2023) and $1.09B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.09B total assets against $935.2M; $985.9M total liabilities against $838.7M.
$871.1M net loans and leases against $751.5M; $817.7M total deposits against $682.0M.
$116.3M securities against $90.5M; $60.0M cash and balances due against $55.2M.
$13.5M total interest income against $11.4M; $6.6M total interest expense against $6.0M.
$6.9M net interest income against $5.3M.
$342K total noninterest income against $326K; $5.4M total noninterest expense against $4.5M.
$397K provision for credit losses against $686K.
$1.1M net income against $604K.
0.42% return on assets against 0.26%; 2.67% net interest margin against 2.38%.
9.63% tier 1 leverage ratio against 10.48%.
Inside the full Winchester 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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).
Winchester Savings Bank rankings
Its closest position to the top of a national ranking is 954 of 4,196, for total assets; its furthest is 3,313 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.29% (Q3 2024) to 0.42% (Q1 2026) and its net interest margin ran from 1.83% (Q3 2024) to 2.67% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.63% | 0.42% | 0.18% | 1.50% | 2.67% |
| Q1 2026 | 10.00% | 0.42% | 0.20% | 1.59% | 2.53% |
| Q4 2025 | 10.17% | 0.41% | 0.45% | 3.50% | 2.49% |
| Q3 2025 | 10.52% | 0.36% | 0.24% | 1.89% | 2.46% |
| Q2 2025 | 10.48% | 0.26% | 0.29% | 2.20% | 2.38% |
| Q1 2025 | 9.06% | 0.13% | 0.26% | 2.22% | 2.05% |
| Q4 2024 | 9.29% | 0.17% | 0.27% | 2.30% | 1.92% |
| Q3 2024 | 9.50% | -0.29% | 0.23% | 1.96% | 1.83% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Winchester Savings Bank (main office) | Winchester , MA | 01890 | $589.8M |
| Horn Pond Plaza Branch | Woburn , MA | 01801 | $82.1M |
| Danvers Branch | Danvers , MA | 01923 | $55.8M |
| Arlington Branch | Arlington , MA | 02474 | $50.4M |
| Woburn Center Branch | Woburn , MA | 01801 | $39.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 1983 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MA, rank 57 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 100 applications, 81 loans originated, $105.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Winchester Savings Bank
What are Winchester Savings Bank's total assets?
As of the Q2 2026 filing, Winchester Savings Bank reported total assets of $1.09 billion in its FFIEC call report.
Where is Winchester Savings Bank headquartered?
It is headquartered in Winchester, MA, United States.
When was Winchester Savings Bank founded?
It was established in 1871, per the FDIC institution directory.
Is Winchester Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Winchester Savings Bank?
Winchester Savings Bank's primary federal regulator is the FDIC.
How many branches does Winchester Savings Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Winchester Savings Bank's Texas Ratio?
Its Texas Ratio is 1.50% 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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