Winchester Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Winchester Savings Bank of Winchester, MA against its peer group of 931 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 | 0.42% | 1.46% | -1.04% | 7th bottom |
| ROAE | 4.45% | 12.72% | -8.27% | 9th bottom |
| Net Interest Margin | 2.67% | 3.85% | -1.18% | 6th bottom |
| Efficiency Ratio | 74.09% | 57.40% | +16.69% | 14th bottom |
| PPNR / Avg Assets | 0.70% | 1.88% | -1.18% | 7th bottom |
| Yield on Earning Assets | 5.24% | 5.72% | -0.48% | 31st below |
| Cost of Funds | 2.79% | 2.02% | +0.77% | 12th bottom |
| Net Interest Spread | 2.26% | 3.18% | -0.92% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 1.00% | -0.82% | 83rd top |
| NPA / Total Assets | 0.15% | 0.76% | -0.61% | 81st top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 71st above |
| ACL / Total Loans | 0.55% | 1.31% | -0.76% | 4th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 300.82% | 543.46% | -242.64% | 70th above |
| Texas Ratio | 1.50% | 7.39% | -5.89% | 82nd top |
| Provision / NCO | 2370.59% | 617.73% | +1752.86% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.63% | 11.44% | -1.81% | 26th below |
| Equity / Assets | 9.32% | 11.34% | -2.02% | 28th below |
| TCE / Tangible Assets | 9.32% | 10.50% | -1.18% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.11% | 86.94% | +20.17% | 7th bottom |
| Core Deposit Ratio | 82.52% | 85.56% | -3.04% | 26th below |
| Wholesale Funding Ratio | 14.55% | 5.70% | +8.85% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.25% | 9.68% | +6.57% | 88th top |
| Loan Growth (Y/Y) | 15.92% | 8.05% | +7.87% | 88th top |
| Deposit Growth (Y/Y) | 19.90% | 7.86% | +12.04% | 91st top |
See Winchester Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Winchester Savings 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 Savings Bank profile, how to read a UBPR, or how this data updates.