Winchester Savings Bank
Winchester, Massachusetts · FDIC Cert #90308
This is the FDIC profile for Winchester Savings Bank, an FDIC-insured bank (Certificate #90308) with $852M in total assets and $637M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Winchester, Massachusetts, the bank maintains a Tier 1 capital ratio of 9.92% (Well-Capitalized) and a nonperforming loan ratio of 0.21%. BankHealthData assigns a composite Health Grade of C (63/100) based on quarterly FDIC filings. 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.
Capital position is adequate: Tier 1 capital ratio of 9.92% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. 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 C (63/100) 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
- 9.92%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.21%
- Liquidity Ratio
- 15.59%
- Return on Assets
- 0.04%
- Headquarters
- Winchester, Massachusetts
- FDIC Certificate
- #90308
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Winchester Savings Bank files quarterly Call Reports with the FDIC under Certificate #90308. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Winchester Savings Bank holds a Tier 1 capital ratio of 9.92%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Winchester Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Winchester Savings Bank shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 63 is 12 points below the Massachusetts state average of 75 across 97 FDIC-insured banks. Its 9.92% Tier 1 capital ratio is 4.1 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 79, meaning this bank ranks below its size cohort. Site-wide, Winchester Savings Bank is 17 points below the portfolio average of 80.
Frequently Asked Questions
Winchester Savings Bank has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 9.92%, which is above 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 9.92% and nonperforming loan ratio of 0.21% indicate an average 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's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #90308 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Winchester Savings Bank has a Tier 1 capital ratio of 9.92%, classifying it as "Well-Capitalized." 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Winchester Savings Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.