Bank call report · Winchester, MA
Winchester Savings Bank Call Report
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Winchester Savings Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 258 reported line items, schedule by schedule (431 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 899008 |
| FDIC certificate number | 90308 |
| Total assets | $1.09B |
Official Q2 2026 call report PDF (FFIEC) →
Winchester Savings Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Winchester Savings Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.09B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.09B |
| Total Liabilities and Minority Interest | RCON2948 | $985.9M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $875.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $871.1M |
| Total Deposits | RCON2200 | $817.7M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $748.2M |
| Other Borrowed Money | RCON3190 | $158.2M |
| Surplus | RCON3839 | $103.5M |
| Total Equity Capital | RCON3210 | $101.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $101.3M |
| Deposits: Noninterest-bearing | RCON6631 | $69.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $63.6M |
| Interest-bearing Balances | RCON0071 | $57.1M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $52.6M |
| Held-to-maturity Securities, Total | RCON1754 | $52.6M |
| Other Assets | RCON2160 | $32.8M |
| Other Liabilities, Total | RCON2930 | $10.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $7.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $4.8M |
| Other Components of Equity Capital | RCONA130 | -$3.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $2.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.2M |
Schedule RI: Income Statement (36 items)
About Schedule RI · Winchester Savings Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $25.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $22.8M |
| Net Interest Income | RIAD4074 | $13.1M |
| Total Interest Expense | RIAD4073 | $12.8M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $12.7M |
| Total Noninterest Expense | RIAD4093 | $10.2M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $10.1M |
| Salaries and Employee Benefits | RIAD4135 | $5.7M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $5.3M |
| Other Noninterest Expense | RIAD4092 | $3.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.9M |
| Other Interest Expense | RIADGW44 | $2.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.2M |
| Net Income (Loss) | RIAD4340 | $2.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.0M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.0M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $896K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $752K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $721K |
| Applicable Income Taxes | RIAD4302 | $674K |
| Total Noninterest Income | RIAD4079 | $669K |
| Other Noninterest Income | RIADB497 | $521K |
| Provision for Loan and Lease Losses | RIAD4230 | $403K |
| Interest on Other Securities | RIAD4060 | $240K |
| Other Interest Income | RIAD4518 | $197K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $126K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $108K |
| Net Servicing Fees | RIADB492 | $40K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $24K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $16K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $8K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 76 |
Schedule RC-B: Securities (36 items)
About Schedule RC-B · Winchester Savings Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $5.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $5.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $1.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $1.4M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $64.6M |
| Pledged Securities | RCON0416 | $52.5M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $51.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $30.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $28.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $28.4M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $28.2M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $27.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $23.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $17.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $17.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $15.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $13.4M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $12.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $12.3M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $12.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $10.7M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $10.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $10.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $10.2M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $7.6M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $6.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $6.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $3.7M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $2.9M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $2.7M |
| Amortized Cost of Held-to-maturity Other Foreign Debt Securities | RCON1742 | $1.6M |
| Fair Value of Held-to-maturity Other Foreign Debt Securities | RCON1743 | $1.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $754K |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $500K |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $497K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $447K |
Schedule RC-C, Part I: Loans and Leases (30 items)
About Schedule RC-C, Part I · Winchester Savings Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $875.9M |
| Pledged Loans and Leases | RCONG378 | $553.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $405.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $244.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $212.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $173.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $137.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $135.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $107.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $91.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $70.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $67.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $60.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $55.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $51.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $47.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $36.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $32.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $28.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $22.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $17.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $4.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $4.9M |
| Commercial and Industrial Loans | RCON1766 | $3.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.2M |
| Other Loans | RCONJ464 | $348K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $103K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $37K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $37K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $16K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $11.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $894K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $461K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $131K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 37 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 11 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 9 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 7 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 4 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · Winchester Savings Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $689.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $533.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $258.2M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $152.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $150.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $146.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $131.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $127.9M |
| Total Transaction Accounts | RCON2215 | $127.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $126.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $124.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $87.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $85.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $82.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $67.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $61.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $39.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $23.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $12.5M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $11.8M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $11.8M |
| Total Brokered Deposits | RCON2365 | $11.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $4.4M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $4.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $3.9M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $3.5M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $2.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $573K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $11.4M |
| Other Assets | RCON2168 | $10.1M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $8.7M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $6.9M |
| Accrued Interest Receivable | RCONB556 | $4.0M |
| Net Deferred Tax Assets | RCON2148 | $407K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $4.8M |
| Other Expenses Accrued and Unpaid | RCON3646 | $4.5M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $3.3M |
| Operating lease liabilities | RCONLB56 | $1.4M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $746K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $24K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Winchester Savings Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.06B |
| Quarterly Average of Total Loans | RCON3360 | $867.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $434.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $428.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $407.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $153.7M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $131.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $124.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $65.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $46.4M |
| Mortgage-backed Securities | RCONB559 | $45.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $42.3M |
| All Other Securities | RCONB560 | $23.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $4.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $240K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Winchester Savings Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $78.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $64.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $32.8M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $25.0M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $25.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $9.1M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $4.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.8M |
| Performance Standby Letters of Credit | RCON3821 | $180K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Winchester Savings Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Structured Advances | RCONF059 | $87.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $86.0M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $81.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $42.2M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $30.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $11.8M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (5 items)
About Schedule RC-N · Winchester Savings Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $424K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $313K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $313K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Winchester Savings Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.06B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $819.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $434.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $361.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $102.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $15.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $7.8M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 16,670 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 803 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 547 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 16 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (20 items)
About Schedule RC-R, Part I · Winchester Savings Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $1.09B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.06B |
| Average total consolidated assets | RCOAKW03 | $1.06B |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $118.5M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $117.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $102.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $102.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $102.5M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $101.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $100.3M |
| Unconditionally Cancellable Commitments | RCOAS540 | $64.7M |
| Retained Earnings | RCOAKW00 | $2.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.2M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $775K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$696K |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$497K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.109 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0963 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $101.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $99.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $99.2M |
| Other Comprehensive Income | RIADB511 | -$187K |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $106K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (3 items)
About Schedule RI-B, Part I · Winchester Savings Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $17K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $12K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $5K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Winchester Savings Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $4.8M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $4.4M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $318K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $17K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $20.9M |
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $20.9M |
Winchester Savings Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Winchester Savings Bank call report?
The Winchester Savings Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Winchester Savings Bank file?
Winchester Savings Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Winchester Savings Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Winchester Savings Bank has Federal Reserve RSSD ID 899008 and FDIC certificate number 90308. Either one finds its filings on the FFIEC Central Data Repository.
How often does Winchester Savings Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Winchester Savings Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 90308) · FFIEC NIC profile (RSSD 899008)