Total Assets
$907M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Winchester Co-operative Bank — FDIC Bank Health Profile
Winchester, Massachusetts · Est. 1893. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered SI FDIC Cert #27238 New York Region
F
Health grade
At Risk
Score: 11/100
Basel III capital ratios — Winchester Co-operative Bank
Total Deposits
$737M
Customer-funded liabilities
Net Loans
$677M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$107M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.47%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
3.93%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
71.62%
Income & Expense Breakdown
$41M
Interest Income
$1M
Non-Interest Income
$14M
Non-Interest Expense
FDIC Deposit Insurance
Winchester Co-operative Bank is FDIC-insured (Certificate #27238). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Winchester Co-operative Bank
Winchester Co-operative Bank is an FDIC-insured institution (Certificate #27238) headquartered in Winchester, Massachusetts, established in 1893. The bank currently holds $907M in total assets and $737M in customer deposits, with $677M deployed as loans. It operates as a State chartered (SI) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Winchester Co-operative Bank reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $107M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.47% and a Return on Equity of 3.93%, with an Efficiency Ratio of 71.62% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (11/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Winchester Co-operative Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Massachusetts by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Winchester Co-operative Bank (FDIC Cert #27238) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| State Street Bank and Trust Company Boston | $360.7B | C | 0.83% |
| Eastern Bank Boston | $30.6B | C | 0.39% |
| Rockland Trust Company Rockland | $24.9B | B | 1.03% |
| Beacon Bank and Trust Brookline | $23.2B | C | 0.63% |
| Salem Five Cents Savings Bank Salem | $8.5B | C | 0.89% |
| Cambridge Savings Bank Cambridge | $6.9B | C | 0.97% |
| Needham Bank Needham | $6.9B | C | 0.90% |
| Middlesex Savings Bank Natick | $6.2B | C | 0.54% |
Frequently Asked Questions
What is Winchester Co-operative Bank's health grade? ▼
Winchester Co-operative Bank receives a health grade of F (11/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Winchester Co-operative Bank? ▼
Winchester Co-operative Bank holds $907M in total assets and $737M in deposits. It is headquartered in Winchester, Massachusetts.
Is my money safe at Winchester Co-operative Bank? ▼
Yes. Winchester Co-operative Bank is FDIC-insured (Certificate #27238). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Winchester Co-operative Bank's Tier 1 Capital Ratio? ▼
Winchester Co-operative Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Winchester Co-operative Bank? ▼
Winchester Co-operative Bank has an Efficiency Ratio of 71.62%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.