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Winchester Co-Operative Bank
Winchester, MA · FDIC Certificate #27238 · Chartered 01/0
Total assets
$946.88M
Total deposits
$773.77M
Total equity
$109.96M
Net loans
$693.41M
Branches (offices)
2
Net income (YTD)
$2.83M
Rank: #1,094 of 4,213 U.S. banks by assets · #50 of 89 in Massachusetts. Assets changed 7.4% and deposits 8.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.61% |
| Return on equity | 5.21% |
| Net interest margin (YTD) | 2.30% |
| Equity to assets | 11.61% |
| Tier 1 leverage ratio | 11.80% |
| Uninsured deposits (share of deposits) | 26.0% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 89.6% |
| Real estate loans (share of loans) | 100.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $694.40M | 100.1% | |
| Commercial & industrial | $648.00K | 0.1% | |
| Consumer / individual | $817.00K | 0.1% | |
| Construction & development | $38.31M | 5.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $794.88M | $693.75M | $1.58M | $97.33M |
| Jun 2023 | $759.99M | $654.72M | $1.35M | $101.20M |
| Jun 2024 | $832.01M | $667.06M | $391.00K | $102.07M |
| Jun 2025 | $881.32M | $713.25M | $1.87M | $104.87M |
| Jun 2026 | $946.88M | $773.77M | $2.83M | $109.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $773.77M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $773.77M.
Similar-sized banks
Western Bank ($947.18M) · Mid-Missouri Bank ($946.74M)
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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