Winchester Savings 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 Reserve coverage of non-performing loans: 28.65 percentage points higher than in Q1 2026, at 300.82%. Within Massachusetts, Winchester Savings Bank is 73rd of 89 on return on assets, 0.42% as of Q2 2026, below the middle of the field. Winchester Savings Bank's return on assets of 0.42% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.86 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 | 9.63% |
| Equity capital to assets | 9.32% |
| Tangible equity to tangible assets | 9.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.50% |
| Allowance for credit losses to loans | 0.55% |
| Reserve coverage of non-performing loans | 300.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.42% |
| Return on equity | 4.45% |
| Net interest margin | 2.67% |
| Efficiency ratio | 74.09% |
| Yield on earning assets | 5.24% |
| Cost of funds | 2.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.11% |
| Core deposits to total deposits | 82.52% |
| Brokered deposits to total deposits | 1.45% |
| Deposits to assets | 75.21% |
| Securities to assets | 10.69% |
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 | 11.12% | 0.12% | 2.11% | 0.23% | 0.00% |
| Q4 2023 | 10.63% | 0.14% | 1.92% | 0.22% | 0.00% |
| Q1 2024 | 10.25% | 0.10% | 1.79% | 0.21% | 0.00% |
| Q2 2024 | 9.92% | 0.05% | 1.80% | 0.21% | 0.00% |
| Q3 2024 | 9.50% | -0.29% | 1.83% | 0.23% | 0.78% |
| Q4 2024 | 9.29% | 0.17% | 1.92% | 0.27% | -0.02% |
| Q1 2025 | 9.06% | 0.13% | 2.05% | 0.26% | 0.03% |
| Q2 2025 | 10.48% | 0.26% | 2.38% | 0.29% | -0.01% |
| Q3 2025 | 10.52% | 0.36% | 2.46% | 0.24% | 0.14% |
| Q4 2025 | 10.17% | 0.41% | 2.49% | 0.45% | 0.16% |
| Q1 2026 | 10.00% | 0.42% | 2.53% | 0.20% | 0.01% |
| Q2 2026 | 9.63% | 0.42% | 2.67% | 0.18% | 0.00% |
Winchester Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Winchester Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90308) · FFIEC NIC profile (RSSD 899008)