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Webster Five Cents Savings Bank
Webster, MA · FDIC Certificate #90297 · Chartered 03/1
Total assets
$1.31B
Total deposits
$1.00B
Total equity
$156.60M
Net loans
$970.88M
Branches (offices)
7
Net income (YTD)
$5.67M
Rank: #842 of 4,213 U.S. banks by assets · #40 of 89 in Massachusetts. Assets changed -0.9% and deposits -0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 7.35% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 11.95% |
| Tier 1 leverage ratio | 12.52% |
| Uninsured deposits (share of deposits) | 39.0% |
| Noncurrent loans (share of loans) | 0.46% |
| Net charge-offs (share of loans) | 0.49% |
| Loans to deposits | 97.0% |
| Real estate loans (share of loans) | 94.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $914.56M | 94.2% | |
| Commercial & industrial | $55.21M | 5.7% | |
| Consumer / individual | $2.04M | 0.2% | |
| Construction & development | $101.54M | 10.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.07B | $933.51M | $3.55M | $116.13M |
| Jun 2023 | $1.16B | $916.96M | $5.26M | $123.23M |
| Jun 2024 | $1.25B | $968.32M | $2.78M | $131.96M |
| Jun 2025 | $1.32B | $1.00B | $4.74M | $145.16M |
| Jun 2026 | $1.31B | $1.00B | $5.67M | $156.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $1.00B | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.00B.
Similar-sized banks
Fidelity Co-Operative Bank ($1.31B) · First Texas Bank ($1.31B)
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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