FDIC Cert #90297 · Webster, Massachusetts · Est. 1868

Webster Five Cents Savings Bank - FDIC Bank Health Profile

A community-scale look at Webster Five Cents Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.3B
Total assets
B
Health grade · Good
0.73%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

Webster Five Cents Savings Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.11% Tier 1, 0.73% ROA, 70% efficiency ratio.

#845
largest of 4,313 FDIC banks by assets
80th
percentile by asset size, nationally
12.11%
Tier 1 ratio - above the 10% well-capitalized line
26th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 90297 · MA B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2735/4307
  • PHOTO-FINISH Moultrie Bank & Trust · GA
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-CLEAN 4.6% Texas
  • ROA-THIN 0.73% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Moultrie Bank & Trust, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Webster Five Cents Savings Bank

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Founders Bank · DC · near73/100Great Nations Bank · OK · ne…73/100Lakeside Bank · LA · near73/100Moultrie Bank & Trust · GA ·…73/100Webster Five Cents S… · MA ·…73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Webster Five Cents Savings Bank · July 2026

Plate reading for Webster Five Cents Savings Bank where failures stay rare

Webster Five Cents Savings Bank (FDIC Cert #90297) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,735 of 4,307. Tier 1 capital prints at 12.11%, clearing the 10% well-capitalized line. The Texas Ratio is 4.64%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.73%. Balance-sheet scale is $1.3B, 845th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Moultrie Bank & Trust (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Webster Five Cents Savings Bank

Only 1 FAILURE resolution in Massachusetts since 2000

Webster Five Cents Savings Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How Webster Five Cents Savings Bank's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
Webster Five Cents Savings Bank's composite health score
Tier 1 Capital Ratio (12.11%) 35/40
Return on Assets (ROA) (0.73%) 14/25
Texas Ratio (4.64%) 20/20
Efficiency Ratio (70.45%) 4/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.3B

Total balance-sheet footings

Total Deposits

$993M

Customer-funded liabilities

Net Loans

$986M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.71% 12.11% 13.51%
Basel III capital ratios - Webster Five Cents Savings Bank

Where Webster Five Cents Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Webster Five Cents Savings Bank's score of 73/100 falls in the highlighted band.

Webster Five Cents Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 36th percentile higher than 36% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Webster Five Cents Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Webster Five Cents Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Webster Five Cents Savings Bank's $1.3B falls in the highlighted band.

Safety metrics: Webster Five Cents Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

12.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.11%
Texas Ratio
4.64%
Equity Capital
$152M

What these ratios mean →

Profitability metrics: Webster Five Cents Savings Bank

Return on Assets (ROA)
26th percentile nationally
0.73%
Return on Equity (ROE)
6.59%
Efficiency Ratio
70.45%

What these mean →

Income & expense at Webster Five Cents Savings Bank

$66M
Interest Income
$6M
Non-Interest Income
$34M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Webster Five Cents Savings Bank reports a Texas Ratio of 4.64% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.64% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Webster Five Cents Savings Bank on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.3B here), outside Massachusetts so the neighborhood is not state containment.

Rhinebeck Bank $1.3B · NY BayFirst National Bank $1.3B · FL Greene County Commercial Bank $1.3B · NY SULLIVAN BANK $1.3B · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Webster Five Cents Savings Bank (FDIC Cert #90297) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Webster Five Cents Savings Bank Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
State Street Bank and Trust CompanyBoston $360.7B A 0.83%
Eastern BankBoston $30.6B B 0.39%
Rockland Trust CompanyRockland $24.9B A 1.03%
Beacon Bank and TrustBrookline $23.2B B 0.63%
Salem Five Cents Savings BankSalem $8.5B A 0.89%
Cambridge Savings BankCambridge $6.9B B 0.97%
Needham BankNeedham $6.9B B 0.90%
Middlesex Savings BankNatick $6.2B B 0.54%