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Winchester Savings Bank
Winchester, MA · FDIC Certificate #90308 · Chartered 07/0
Total assets
$1.09B
Total deposits
$817.72M
Total equity
$101.33M
Net loans
$871.11M
Branches (offices)
5
Net income (YTD)
$2.19M
Rank: #962 of 4,213 U.S. banks by assets · #44 of 89 in Massachusetts. Assets changed 16.3% and deposits 19.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.42% |
| Return on equity | 4.38% |
| Net interest margin (YTD) | 2.61% |
| Equity to assets | 9.32% |
| Tier 1 leverage ratio | 9.63% |
| Uninsured deposits (share of deposits) | 36.9% |
| Noncurrent loans (share of loans) | 0.18% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 106.5% |
| Real estate loans (share of loans) | 100.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $871.52M | 100.0% | |
| Commercial & industrial | $3.87M | 0.4% | |
| Consumer / individual | $156.00K | 0.0% | |
| Construction & development | $116.36M | 13.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $631.19M | $551.49M | $261.00K | $69.73M |
| Jun 2023 | $746.88M | $578.20M | $435.00K | $72.94M |
| Jun 2024 | $852.42M | $637.40M | $300.00K | $79.40M |
| Jun 2025 | $935.23M | $681.99M | $909.00K | $96.55M |
| Jun 2026 | $1.09B | $817.72M | $2.19M | $101.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $817.72M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $817.72M.
Similar-sized banks
Generations Bank ($1.09B) · First Bank Of Berne ($1.09B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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