Winchester Savings Bank
Winchester, Massachusetts · FDIC Cert #90308
Winchester Savings Bank is an FDIC-insured bank (Certificate #90308) with $852M in total assets and $637M in total deposits as of the Q2 2024 Call Report. Headquartered in Winchester, Massachusetts, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.21%. BankHealthData assigns a composite Health Grade of D (42/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Winchester Savings Bank (FDIC cert 90308) is a community bank — $852M in total assets, $637M in deposits, serving the Winchester, Massachusetts area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.21% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 15.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.04% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Winchester Savings Bank carries a composite BankHealth grade of D (42/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Winchester Savings Bank
- Total Assets
- $852M
- Total Deposits
- $637M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.21%
- Liquidity Ratio
- 15.59%
- Return on Assets
- 0.04%
- Headquarters
- Winchester, Massachusetts
- FDIC Certificate
- #90308
- Health Grade
- D (42/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Winchester Savings Bank holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Winchester Savings Bank to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Winchester Savings Bank shows some financial weakness with a Health Score of 42/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Winchester Savings Bank Compares
Winchester Savings Bank’s Health Score of 42 is 26 points below the Massachusetts state average of 68 across 97 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.21% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.04% is below the national ROA benchmark of ~1.1%. Among 1137 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Winchester Savings Bank is 28 points below the portfolio average of 70.
Frequently Asked Questions
Winchester Savings Bank has a Bank Health Score of D (42/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Winchester Savings Bank's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.21% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Winchester Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #90308). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Winchester Savings Bank holds $852M in total assets and $637M in total deposits. It is headquartered in Winchester, Massachusetts (FDIC Certificate #90308).
Winchester Savings Bank has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.21%, and the return on assets is 0.04%.
Yes. Winchester Savings Bank is FDIC-insured (Certificate #90308). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Winchester Savings Bank shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.