Winchester Savings 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.
Construction concentration (tier 1 capital + allowance) climbed 17.96 percentage points in Q2 2026, from 90.48% to 108.44%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Winchester Savings Bank is 13th of 89 on loan-to-deposit ratio, 107.11% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Winchester Savings Bank sits 18.91 points higher, at 107.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $875.9M |
| Net loans and leases | $871.1M |
| Loans held for sale | $0 |
| Loans to total assets | 80.56% |
| Loan-to-deposit ratio | 107.11% |
| Net loans to equity capital | 8.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.17% |
| Multifamily (5+ residential) | 24.27% |
| Commercial and industrial | 0.44% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 372.32% |
| Construction concentration (Tier 1 capital + allowance) | 108.44% |
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 | 5.51% |
| Interest income on loans | $11.9M |
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 | $630.3M | $585.9M | 12.50% | 0.84% | 0.07% |
| Q4 2023 | $653.8M | $603.5M | 13.05% | 0.96% | 0.07% |
| Q1 2024 | $659.0M | $608.9M | 12.79% | 1.01% | 0.08% |
| Q2 2024 | $685.6M | $637.4M | 12.46% | 0.96% | 0.08% |
| Q3 2024 | $711.8M | $644.3M | 12.17% | 0.72% | 0.05% |
| Q4 2024 | $729.1M | $663.2M | 12.73% | 0.62% | 0.05% |
| Q1 2025 | $731.5M | $705.3M | 13.87% | 0.65% | 0.05% |
| Q2 2025 | $755.6M | $682.0M | 13.53% | 0.57% | 0.04% |
| Q3 2025 | $797.8M | $720.3M | 12.49% | 0.52% | 0.03% |
| Q4 2025 | $804.8M | $752.2M | 13.13% | 0.50% | 0.03% |
| Q1 2026 | $845.4M | $791.1M | 12.84% | 0.49% | 0.02% |
| Q2 2026 | $875.9M | $817.7M | 12.17% | 0.44% | 0.02% |
Winchester Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Winchester Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90308) · FFIEC NIC profile (RSSD 899008)