FDIC Cert #90308 · Winchester, Massachusetts · Est. 1871

Winchester Savings Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$1.0B
Total assets
C
Health grade · Fair
0.29%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

The verdict

Winchester Savings Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 10.17% Tier 1, 0.29% ROA, 81% efficiency ratio.

#1,040
largest of 4,313 FDIC banks by assets
76th
percentile by asset size, nationally
10.17%
Tier 1 ratio - above the 10% well-capitalized line
10th
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 90308 · MA C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4013/4307
  • PHOTO-FINISH Scottsdale Community… · AZ
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-CLEAN 3.5% Texas
  • ROA-THIN 0.29% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Scottsdale Community Bank, AZ (±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 Winchester Savings Bank

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

Morgan Stanley Bank,… · UT ·…100/100New Horizon Bank, Na… · VA ·…55/100Piermont Bank · NY · near55/100Scottsdale Community… · AZ ·…55/100Triad Business Bank · NC · n…55/100Winchester Savings B… · MA ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Winchester Savings Bank · July 2026

Plate reading for Winchester Savings Bank where failures stay rare

Winchester Savings Bank (FDIC Cert #90308) carries a PlainBankData health grade of C at 55/100, 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 #4,013 of 4,307. Tier 1 capital prints at 10.17%, clearing the 10% well-capitalized line. The Texas Ratio is 3.50%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.29%. Balance-sheet scale is $1.0B, 1,040th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Scottsdale Community Bank (AZ), 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 Winchester Savings Bank

Only 1 FAILURE resolution in Massachusetts since 2000

Winchester 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 Winchester Savings Bank's 55/100 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 avg77/10055/100
Winchester Savings Bank's composite health score
Tier 1 Capital Ratio (10.17%) 28/40
Return on Assets (ROA) (0.29%) 7/25
Texas Ratio (3.50%) 20/20
Efficiency Ratio (80.84%) 0/15

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

Balance sheet at a glance

Total Assets

$1.0B

Total balance-sheet footings

Total Deposits

$752M

Customer-funded liabilities

Net Loans

$800M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.77% 10.17% 11.57%
Basel III capital ratios - Winchester Savings Bank

Where Winchester Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Winchester Savings Bank's score of 55/100 falls in the highlighted band.

Winchester Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 7th percentile higher than 7% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Winchester 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

Winchester 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). Winchester Savings Bank's $1.0B falls in the highlighted band.

Safety metrics: Winchester Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

10.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.17%
Texas Ratio
3.50%
Equity Capital
$99M

What these ratios mean →

Profitability metrics: Winchester Savings Bank

Return on Assets (ROA)
10th percentile nationally
0.29%
Return on Equity (ROE)
3.02%
Efficiency Ratio
80.84%

What these mean →

Income & expense at Winchester Savings Bank

$46M
Interest Income
$1M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Winchester Savings Bank reports a Texas Ratio of 3.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Winchester 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 ($1.0B here), outside Massachusetts so the neighborhood is not state containment.

Summit State Bank $1.0B · CA MapleMark Bank $1.0B · OK First Metro Bank $1.0B · AL West Alabama Bank & Trust $1.0B · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Winchester Savings Bank (FDIC Cert #90308) - 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.

Winchester 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%